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

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

View full coverage summary for 24 Hour Assistance Service for the policies below

Air Ambulance Card
Air Ambulance Card

1

Air Ambulance Card - Standard Annual
Air Ambulance Card

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Transport Services While Traveling

If you are hospitalized as an inpatient due to an illness or injury while traveling more than150 miles from home, whether domestically or internationally, Air Ambulance Card will arrange and pay for air medical transportation, medical evacuation, and repatriation services to the hospital of your choice in the United States or Canada.

Transport Services to Specialty Hospitals

If you are hospitalized as an inpatient in your hometown hospital and require admission to a specialty hospital located more than 150 miles away, and you are unable to travel without continuous medical care, Air Ambulance Card will arrange and pay for air medical transportation to the specialty hospital, provided that your receiving physician and our Medical Director agree that the transport to the specialty hospital is medically necessary.

Medical Monitoring and Consultation

When Air Ambulance Card is notified that you have been hospitalized while traveling, our Medical Director will communicate with the attending physician and will continue to monitor your condition. If requested we will communicate with your family during transport or until the medical condition is resolved.

Transport of Mortal Remains

If a member dies while traveling internationally we will arrange and pay for all necessary government authorization, provide a container appropriate for airline transport, and return the remains to a funeral home of choice in the U.S. or Canada.

2

Air Ambulance Card - Extended Stay 6 Months
Air Ambulance Card

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Transport Services While Traveling

If you are hospitalized as an inpatient due to an illness or injury while traveling more than150 miles from home, whether domestically or internationally, Air Ambulance Card will arrange and pay for air medical transportation, medical evacuation, and repatriation services to the hospital of your choice in the United States or Canada.

Transport Services to Specialty Hospitals

If you are hospitalized as an inpatient in your hometown hospital and require admission to a specialty hospital located more than 150 miles away, and you are unable to travel without continuous medical care, Air Ambulance Card will arrange and pay for air medical transportation to the specialty hospital, provided that your receiving physician and our Medical Director agree that the transport to the specialty hospital is medically necessary.

Medical Monitoring and Consultation

When Air Ambulance Card is notified that you have been hospitalized while traveling, our Medical Director will communicate with the attending physician and will continue to monitor your condition. If requested we will communicate with your family during transport or until the medical condition is resolved.

Transport of Mortal Remains

If a member dies while traveling internationally we will arrange and pay for all necessary government authorization, provide a container appropriate for airline transport, and return the remains to a funeral home of choice in the U.S. or Canada.

3

Air Ambulance Card - Extended Stay 12 Months
Air Ambulance Card

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Transport Services While Traveling

If you are hospitalized as an inpatient due to an illness or injury while traveling more than150 miles from home, whether domestically or internationally, Air Ambulance Card will arrange and pay for air medical transportation, medical evacuation, and repatriation services to the hospital of your choice in the United States or Canada.

Transport Services to Specialty Hospitals

If you are hospitalized as an inpatient in your hometown hospital and require admission to a specialty hospital located more than 150 miles away, and you are unable to travel without continuous medical care, Air Ambulance Card will arrange and pay for air medical transportation to the specialty hospital, provided that your receiving physician and our Medical Director agree that the transport to the specialty hospital is medically necessary.

Medical Monitoring and Consultation

When Air Ambulance Card is notified that you have been hospitalized while traveling, our Medical Director will communicate with the attending physician and will continue to monitor your condition. If requested we will communicate with your family during transport or until the medical condition is resolved.

Transport of Mortal Remains

If a member dies while traveling internationally we will arrange and pay for all necessary government authorization, provide a container appropriate for airline transport, and return the remains to a funeral home of choice in the U.S. or Canada.

APRIL Travel Protection
APRIL Travel Protection

4

Economy Plan
APRIL Travel Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

A. Pre-Trip Services: APRIL shall provide the following standard travel information to its Clients:

1. Passport and visa requirements including information on how to obtain these documents;

2. Travel advisories;

3. Foreign currency exchange rates;

4. Inoculation and immunization requirements;

5. Temperature and weather information;

6. Address and telephone number of the nearest consulate or embassy;

7. Cultural and other events, if applicable.

B. Express Airport Security Assistance: APRIL will provide the Client information and recommendations on which program is best-suited for their needs based on frequency of travel, destination(s), and home airport(s). APRIL will help the client enroll and set up interviews (when necessary) for the appropriate program(s) including PreCheck, Global Entry, and/or CLEAR. APRIL cannot guarantee that the Client will pass the interview process. All associated fees for these programs are the responsibility of the Client.

C. Lost Luggage: APRIL shall assist a Client with the following items. Any third party expenses, including shipping and/or express delivery charges shall be the responsibility of the Client:

1. Locating his or her lost luggage and if requested, APRIL shall help a Client secure replacement items from home;

2. Obtaining a lost transportation ticket application;

3. Locating his or her lost documents and other important personal items.

NOTE: APRIL will not be liable for lost and unfound pieces of luggage. Any compensation due to lost or delayed luggage that the Client may be entitled to shall be paid by their insurance company and/or airline (unless covered under the General Terms and Conditions of an APRIL policy).

D. Smartphone Travel Applications: APRIL will provide recommendations and instructions for the top smartphone apps that best suit the Client’s device, needs and/or destination. These applications can provide streamlined GPS access to restaurant, destination, event, and attraction information. They may also assist with easily receiving service from taxi or transportation providers or getting status updates on flight information. Other apps help with currency exchange rate information, translation services, navigating airports (including finding lounges), and weather information. Recommendations on additional features and services are available.

E. Identity Theft: Assist identity theft victim by contracting the services of a specialized agency who will order and review credit bureau records on their behalf; investigate financial accounts where identity theft is suspected; assist in the cancellation of credit/debit cards to prevent additional harm; give access to emergency cash if the victim’s financial accounts were forced to be closed; and review account activity to identify any suspicious activities.

F. Airport Transfers: Shared-ride airport shuttle service, providing door-to-door ground transportation with 36 airports nationwide and 4 internationally. If private transfers are requested, we will arrange those on the Client’s behalf. Shuttle or Private transfer fees are the responsibility of the Client.

G. Access to Medical Providers: If requested by the Client, APRIL will provide the contact information of hospitals, dental clinics, physicians or any other specialist in the area where the Client is located. APRIL will also set up appointments when needed. These providers have already been pre-screened and approved for quality control purposes.

H. Medical Transfers: In case of an emergency, APRIL will arrange the transfer of the Client to the nearest medical facility in order for him/her to receive medical attention. When the APRIL Medical Department recommends transfer to a more adequate medical facility, such a transfer will be organized in the conditions and means authorized by APRIL. A doctor or nurse, if necessary, may accompany the injured or ailing Client. Payment for the medical transfer (and potentially an accompanying doctor or nurse) is the responsibility of the Client unless covered under the General Terms and Conditions of an APRIL policy.

NOTE: Only medical reasons, deemed necessary at the sole discretion of the APRIL’s Medical Department, will be taken into account to determine the need and/or urgency of transferring the Client. Should the Client or his/her family decide to make a transfer disregarding the opinion of the APRIL Medical Department, APRIL shall not be liable for such an action, and the transfer, its costs and its consequences will be at the sole risk and expense of the Client and/or his/her family.

I. Medical Repatriation: The medical repatriation of the Client will only be carried out when APRIL’s Medical Department deems it necessary, and exclusively as the result of a serious accident. The repatriation of the injured Client to his/her usual country of residence will be performed by regular airline, accompanied by a doctor or nurse (if applicable and subject to seat availability). This repatriation must be expressly authorized and coordinated by the APRIL Assistance Center involved. Should the Client or his/her family decide to make a medical repatriation disregarding the opinion of the APRIL Medical Department, APRIL shall not be liable for such an action, and the repatriation, its costs and its consequences will be at the sole risk and expense of the Client and/or his/her family.

J. Funerary Repatriation: In the event of demise of a Client, APRIL will organize the funerary repatriation for:

1. The coffin required for transportation;

2. Administrative procedures;

3. Transportation to the airport of entrance to the country of permanent residence of the Client, by the means that APRIL deems most convenient.

K. Medical Expenses Advance: APRIL will not take care of the cost of any of the medical expenses (unless covered according under the General Terms and Conditions of an APRIL policy), but will advance medical payments to the Client up to $10,000 as long as this payment is guaranteed by the Client, the Client’s employer, or a Client’s relative or friend. This guarantee means that the total amount should be debited from a valid debit or credit card from the above- mentioned parties.

L. Medical Assistance Follow-up: In case of an accident or sickness, APRIL will monitor the development of the mentioned event, to make sure the correct procedures are followed until the event is finalized. APRIL will also provide the service of communicating any advances to the Client as well as the Client’s family until the Client medical problem is resolved or stabilized.

M. Eyeglasses/Contact Lens Replacement: APRIL will provide the service for the Client to receive the eyeglasses and/or contact lenses that they need for continuing their trip. The cost for the eyeglasses, lenses, and delivery will be paid for by the Client.

N. Medications Replacement: APRIL will locate the medication the Client needs in case they lose or forget it at some point during the trip. The medication or delivery costs will be paid for by the Client.

O. Return Of Minor: Should a Client be traveling as the only companion of a child (or children) under the age of 15, who is (are) also an APRIL Client(s), and is unable to take care of the child (children) due to an illness or an accident occurred during the trip, APRIL will arrange the trip of a relative to accompany the child (children) back to their permanent place of residence. The choice of the means of transportation to be used for the minor’s escort will be made exclusively by APRIL.

P. Return Of Elderly People: If a Client travels with one or more elders over 75 (seventy-five) that are also Clients of APRIL, and he/she cannot be in charge of accompanying these persons due to illness or accident occurred during the trip, then APRIL will be in charge of organizing the transfer of one relative, so that he/she can accompany the Client(s) to his/her place of permanent residence. The choice of the means to be used will be at APRIL’s exclusive discretion.

Q. Transfer Of A Relative: In case an APRIL Client, traveling alone, is hospitalized abroad, such hospitalization has been authorized by APRIL’s Medical Department, and as long as the foreseen duration of the hospitalization for the Client is greater than 10 (ten) days, APRIL will arrange the trip of a relative, so that he/she may accompany the Client.

R. Restaurant Referrals and Reservations: APRIL shall provide the Client with information on restaurants in all the countries where APRIL provides travel assistance services and will book reservations if requested. All costs associated with this service are the responsibility of the Client. The Client must pay for the meals. APRIL uses publicly available methods to procure the reservations and does not offer any discounts with this service. This is not a service designed to obtain reservations at exclusive restaurants or restaurants that do not take reservations.

S. Event Ticketing: APRIL shall provide tickets to sporting events, theater or concert events worldwide as long as the tickets are available for purchase. Event Ticketing is a service that APRIL offers to Clients to find, purchase, and deliver tickets to certain events. The Client must pay for the tickets and delivery, typically via credit card. APRIL uses publicly available methods to procure the event tickets and does not offer any discount with this service. This is not a service designed to obtain tickets to events that are sold out or are not publicly available for some other reason.

T. Travel Reservation Services: In the event of an emergency, APRIL shall help the Client make emergency travel arrangements, including airline, hotel, and car rental reservations. The Client is responsible for payment of all tickets, accommodations and rentals arranged (unless covered under the General Terms and Conditions of an APRIL policy).

U. Airport Parking: Offsite-airport parking service specifically geared toward the business traveler with:

• A network of over 75 airports

• Online reservations

• Car washing & detailing

• Pet boarding

• Car maintenance (oil changes)

• Car charging stations

• Valet parking

APRIL will provide the Client location information (including directions if needed) as well as the available services for the facility of their choice. Daily discounted parking fees are the responsibility of the Client.

V. Retail Discounts: Money saving discount deals/coupons available for over 340 locations nationwide and 10 internationally. Coupons can be received via email or postal mail (coupon booklet).

W. Destination Profiles: APRIL shall provide information on every country in the world and over 200 cities worldwide including information on local entertainment, suggested itineraries, and health advisories.

X. Message Service: In the event of an emergency, APRIL will use its best efforts to transmit an urgent message for a Client to the Client’s family, friends, and/or business associates.

Y. Language Services: If a Client needs help communicating in an emergency, APRIL shall provide translation services in all major languages via telephone to a Client. If a Client requires ongoing or more complex translation services in emergency situations, APRIL shall refer the Client to local translators. The cost of the local translators shall be the sole responsibility of the Client.

Z. Hotel Accommodations: APRIL shall offer recommendations on hotels worldwide and book reservations if requested by the Client. All costs associated with this service are the responsibility of the Client.

AA. Legal Related Services Abroad: APRIL shall provide the following law-related services to Clients, upon request of the Client:

1. Providing the names, addresses and telephone numbers of lawyers in the area in which the Client is traveling in case of a car accident, traffic violations, or civil or criminal offenses. However, the selection of and the expenses associated with a particular attorney are the responsibility of the Client;

2. Notifying the proper embassy or consulate of the Client’s incarceration;

3. Continued communication with the incarcerated Client and other designated parties where allowed by local law;

4. Advancing of bail funds upon the receipt of a guarantee of repayment by the Client that is satisfactory to APRIL and where allowed by local law;

5. Arranging for the receipt of funds from third party sources.

NOTE: APRIL does not provide legal advice or counsel to Clients. The obligation of APRIL is limited to coordinating the disposal of services of a legal professional. In all cases, the lawyers designated or recommended by APRIL will act as agents of the Client without any right to claims or indemnifications against APRIL for having recommended such a professional.

BB. Floral Services: APRIL shall purchase and ship flowers and gift baskets to friends, family members, and business associates. Floral Services are services that APRIL offers to Clients to find, purchase, and deliver flowers and other gifts. The Client must pay for the flowers and gifts, typically via credit card. APRIL uses publicly available methods to procure the flowers and/or gifts and does not offer any discount with this service. This is not a service designed to deliver flowers to remote areas or to places that are not serviced by floral services companies.

5

VIP Plan
APRIL Travel Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

A. Pre-Trip Services: APRIL shall provide the following standard travel information to its Clients:

1. Passport and visa requirements including information on how to obtain these documents;

2. Travel advisories;

3. Foreign currency exchange rates;

4. Inoculation and immunization requirements;

5. Temperature and weather information;

6. Address and telephone number of the nearest consulate or embassy;

7. Cultural and other events, if applicable.

B. Express Airport Security Assistance: APRIL will provide the Client information and recommendations on which program is best-suited for their needs based on frequency of travel, destination(s), and home airport(s). APRIL will help the client enroll and set up interviews (when necessary) for the appropriate program(s) including PreCheck, Global Entry, and/or CLEAR. APRIL cannot guarantee that the Client will pass the interview process. All associated fees for these programs are the responsibility of the Client.

C. Lost Luggage: APRIL shall assist a Client with the following items. Any third party expenses, including shipping and/or express delivery charges shall be the responsibility of the Client:

1. Locating his or her lost luggage and if requested, APRIL shall help a Client secure replacement items from home;

2. Obtaining a lost transportation ticket application;

3. Locating his or her lost documents and other important personal items.

NOTE: APRIL will not be liable for lost and unfound pieces of luggage. Any compensation due to lost or delayed luggage that the Client may be entitled to shall be paid by their insurance company and/or airline (unless covered under the General Terms and Conditions of an APRIL policy).

D. Smartphone Travel Applications: APRIL will provide recommendations and instructions for the top smartphone apps that best suit the Client’s device, needs and/or destination. These applications can provide streamlined GPS access to restaurant, destination, event, and attraction information. They may also assist with easily receiving service from taxi or transportation providers or getting status updates on flight information. Other apps help with currency exchange rate information, translation services, navigating airports (including finding lounges), and weather information. Recommendations on additional features and services are available.

E. Identity Theft: Assist identity theft victim by contracting the services of a specialized agency who will order and review credit bureau records on their behalf; investigate financial accounts where identity theft is suspected; assist in the cancellation of credit/debit cards to prevent additional harm; give access to emergency cash if the victim’s financial accounts were forced to be closed; and review account activity to identify any suspicious activities.

F. Airport Transfers: Shared-ride airport shuttle service, providing door-to-door ground transportation with 36 airports nationwide and 4 internationally. If private transfers are requested, we will arrange those on the Client’s behalf. Shuttle or Private transfer fees are the responsibility of the Client.

G. Access to Medical Providers: If requested by the Client, APRIL will provide the contact information of hospitals, dental clinics, physicians or any other specialist in the area where the Client is located. APRIL will also set up appointments when needed. These providers have already been pre-screened and approved for quality control purposes.

H. Medical Transfers: In case of an emergency, APRIL will arrange the transfer of the Client to the nearest medical facility in order for him/her to receive medical attention. When the APRIL Medical Department recommends transfer to a more adequate medical facility, such a transfer will be organized in the conditions and means authorized by APRIL. A doctor or nurse, if necessary, may accompany the injured or ailing Client. Payment for the medical transfer (and potentially an accompanying doctor or nurse) is the responsibility of the Client unless covered under the General Terms and Conditions of an APRIL policy.

NOTE: Only medical reasons, deemed necessary at the sole discretion of the APRIL’s Medical Department, will be taken into account to determine the need and/or urgency of transferring the Client. Should the Client or his/her family decide to make a transfer disregarding the opinion of the APRIL Medical Department, APRIL shall not be liable for such an action, and the transfer, its costs and its consequences will be at the sole risk and expense of the Client and/or his/her family.

I. Medical Repatriation: The medical repatriation of the Client will only be carried out when APRIL’s Medical Department deems it necessary, and exclusively as the result of a serious accident. The repatriation of the injured Client to his/her usual country of residence will be performed by regular airline, accompanied by a doctor or nurse (if applicable and subject to seat availability). This repatriation must be expressly authorized and coordinated by the APRIL Assistance Center involved. Should the Client or his/her family decide to make a medical repatriation disregarding the opinion of the APRIL Medical Department, APRIL shall not be liable for such an action, and the repatriation, its costs and its consequences will be at the sole risk and expense of the Client and/or his/her family.

J. Funerary Repatriation: In the event of demise of a Client, APRIL will organize the funerary repatriation for:

1. The coffin required for transportation;

2. Administrative procedures;

3. Transportation to the airport of entrance to the country of permanent residence of the Client, by the means that APRIL deems most convenient.

K. Medical Expenses Advance: APRIL will not take care of the cost of any of the medical expenses (unless covered according under the General Terms and Conditions of an APRIL policy), but will advance medical payments to the Client up to $10,000 as long as this payment is guaranteed by the Client, the Client’s employer, or a Client’s relative or friend. This guarantee means that the total amount should be debited from a valid debit or credit card from the above- mentioned parties.

L. Medical Assistance Follow-up: In case of an accident or sickness, APRIL will monitor the development of the mentioned event, to make sure the correct procedures are followed until the event is finalized. APRIL will also provide the service of communicating any advances to the Client as well as the Client’s family until the Client medical problem is resolved or stabilized.

M. Eyeglasses/Contact Lens Replacement: APRIL will provide the service for the Client to receive the eyeglasses and/or contact lenses that they need for continuing their trip. The cost for the eyeglasses, lenses, and delivery will be paid for by the Client.

N. Medications Replacement: APRIL will locate the medication the Client needs in case they lose or forget it at some point during the trip. The medication or delivery costs will be paid for by the Client.

O. Return Of Minor: Should a Client be traveling as the only companion of a child (or children) under the age of 15, who is (are) also an APRIL Client(s), and is unable to take care of the child (children) due to an illness or an accident occurred during the trip, APRIL will arrange the trip of a relative to accompany the child (children) back to their permanent place of residence. The choice of the means of transportation to be used for the minor’s escort will be made exclusively by APRIL.

P. Return Of Elderly People: If a Client travels with one or more elders over 75 (seventy-five) that are also Clients of APRIL, and he/she cannot be in charge of accompanying these persons due to illness or accident occurred during the trip, then APRIL will be in charge of organizing the transfer of one relative, so that he/she can accompany the Client(s) to his/her place of permanent residence. The choice of the means to be used will be at APRIL’s exclusive discretion.

Q. Transfer Of A Relative: In case an APRIL Client, traveling alone, is hospitalized abroad, such hospitalization has been authorized by APRIL’s Medical Department, and as long as the foreseen duration of the hospitalization for the Client is greater than 10 (ten) days, APRIL will arrange the trip of a relative, so that he/she may accompany the Client.

R. Restaurant Referrals and Reservations: APRIL shall provide the Client with information on restaurants in all the countries where APRIL provides travel assistance services and will book reservations if requested. All costs associated with this service are the responsibility of the Client. The Client must pay for the meals. APRIL uses publicly available methods to procure the reservations and does not offer any discounts with this service. This is not a service designed to obtain reservations at exclusive restaurants or restaurants that do not take reservations.

S. Event Ticketing: APRIL shall provide tickets to sporting events, theater or concert events worldwide as long as the tickets are available for purchase. Event Ticketing is a service that APRIL offers to Clients to find, purchase, and deliver tickets to certain events. The Client must pay for the tickets and delivery, typically via credit card. APRIL uses publicly available methods to procure the event tickets and does not offer any discount with this service. This is not a service designed to obtain tickets to events that are sold out or are not publicly available for some other reason.

T. Travel Reservation Services: In the event of an emergency, APRIL shall help the Client make emergency travel arrangements, including airline, hotel, and car rental reservations. The Client is responsible for payment of all tickets, accommodations and rentals arranged (unless covered under the General Terms and Conditions of an APRIL policy).

U. Airport Parking: Offsite-airport parking service specifically geared toward the business traveler with:

• A network of over 75 airports

• Online reservations

• Car washing & detailing

• Pet boarding

• Car maintenance (oil changes)

• Car charging stations

• Valet parking

APRIL will provide the Client location information (including directions if needed) as well as the available services for the facility of their choice. Daily discounted parking fees are the responsibility of the Client.

V. Retail Discounts: Money saving discount deals/coupons available for over 340 locations nationwide and 10 internationally. Coupons can be received via email or postal mail (coupon booklet).

W. Destination Profiles: APRIL shall provide information on every country in the world and over 200 cities worldwide including information on local entertainment, suggested itineraries, and health advisories.

X. Message Service: In the event of an emergency, APRIL will use its best efforts to transmit an urgent message for a Client to the Client’s family, friends, and/or business associates.

Y. Language Services: If a Client needs help communicating in an emergency, APRIL shall provide translation services in all major languages via telephone to a Client. If a Client requires ongoing or more complex translation services in emergency situations, APRIL shall refer the Client to local translators. The cost of the local translators shall be the sole responsibility of the Client.

Z. Hotel Accommodations: APRIL shall offer recommendations on hotels worldwide and book reservations if requested by the Client. All costs associated with this service are the responsibility of the Client.

AA. Legal Related Services Abroad: APRIL shall provide the following law-related services to Clients, upon request of the Client:

1. Providing the names, addresses and telephone numbers of lawyers in the area in which the Client is traveling in case of a car accident, traffic violations, or civil or criminal offenses. However, the selection of and the expenses associated with a particular attorney are the responsibility of the Client;

2. Notifying the proper embassy or consulate of the Client’s incarceration;

3. Continued communication with the incarcerated Client and other designated parties where allowed by local law;

4. Advancing of bail funds upon the receipt of a guarantee of repayment by the Client that is satisfactory to APRIL and where allowed by local law;

5. Arranging for the receipt of funds from third party sources.

NOTE: APRIL does not provide legal advice or counsel to Clients. The obligation of APRIL is limited to coordinating the disposal of services of a legal professional. In all cases, the lawyers designated or recommended by APRIL will act as agents of the Client without any right to claims or indemnifications against APRIL for having recommended such a professional.

BB. Floral Services: APRIL shall purchase and ship flowers and gift baskets to friends, family members, and business associates. Floral Services are services that APRIL offers to Clients to find, purchase, and deliver flowers and other gifts. The Client must pay for the flowers and gifts, typically via credit card. APRIL uses publicly available methods to procure the flowers and/or gifts and does not offer any discount with this service. This is not a service designed to deliver flowers to remote areas or to places that are not serviced by floral services companies.

6

Trip Cancellation Plan
APRIL Travel Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

A. Pre-Trip Services: APRIL shall provide the following standard travel information to its Clients:

1. Passport and visa requirements including information on how to obtain these documents;

2. Travel advisories;

3. Foreign currency exchange rates;

4. Inoculation and immunization requirements;

5. Temperature and weather information;

6. Address and telephone number of the nearest consulate or embassy;

7. Cultural and other events, if applicable.

B. Express Airport Security Assistance: APRIL will provide the Client information and recommendations on which program is best-suited for their needs based on frequency of travel, destination(s), and home airport(s). APRIL will help the client enroll and set up interviews (when necessary) for the appropriate program(s) including PreCheck, Global Entry, and/or CLEAR. APRIL cannot guarantee that the Client will pass the interview process. All associated fees for these programs are the responsibility of the Client.

C. Lost Luggage: APRIL shall assist a Client with the following items. Any third party expenses, including shipping and/or express delivery charges shall be the responsibility of the Client:

1. Locating his or her lost luggage and if requested, APRIL shall help a Client secure replacement items from home;

2. Obtaining a lost transportation ticket application;

3. Locating his or her lost documents and other important personal items.

NOTE: APRIL will not be liable for lost and unfound pieces of luggage. Any compensation due to lost or delayed luggage that the Client may be entitled to shall be paid by their insurance company and/or airline (unless covered under the General Terms and Conditions of an APRIL policy).

D. Smartphone Travel Applications: APRIL will provide recommendations and instructions for the top smartphone apps that best suit the Client’s device, needs and/or destination. These applications can provide streamlined GPS access to restaurant, destination, event, and attraction information. They may also assist with easily receiving service from taxi or transportation providers or getting status updates on flight information. Other apps help with currency exchange rate information, translation services, navigating airports (including finding lounges), and weather information. Recommendations on additional features and services are available.

E. Identity Theft: Assist identity theft victim by contracting the services of a specialized agency who will order and review credit bureau records on their behalf; investigate financial accounts where identity theft is suspected; assist in the cancellation of credit/debit cards to prevent additional harm; give access to emergency cash if the victim’s financial accounts were forced to be closed; and review account activity to identify any suspicious activities.

F. Airport Transfers: Shared-ride airport shuttle service, providing door-to-door ground transportation with 36 airports nationwide and 4 internationally. If private transfers are requested, we will arrange those on the Client’s behalf. Shuttle or Private transfer fees are the responsibility of the Client.

G. Access to Medical Providers: If requested by the Client, APRIL will provide the contact information of hospitals, dental clinics, physicians or any other specialist in the area where the Client is located. APRIL will also set up appointments when needed. These providers have already been pre-screened and approved for quality control purposes.

H. Medical Transfers: In case of an emergency, APRIL will arrange the transfer of the Client to the nearest medical facility in order for him/her to receive medical attention. When the APRIL Medical Department recommends transfer to a more adequate medical facility, such a transfer will be organized in the conditions and means authorized by APRIL. A doctor or nurse, if necessary, may accompany the injured or ailing Client. Payment for the medical transfer (and potentially an accompanying doctor or nurse) is the responsibility of the Client unless covered under the General Terms and Conditions of an APRIL policy.

NOTE: Only medical reasons, deemed necessary at the sole discretion of the APRIL’s Medical Department, will be taken into account to determine the need and/or urgency of transferring the Client. Should the Client or his/her family decide to make a transfer disregarding the opinion of the APRIL Medical Department, APRIL shall not be liable for such an action, and the transfer, its costs and its consequences will be at the sole risk and expense of the Client and/or his/her family.

I. Medical Repatriation: The medical repatriation of the Client will only be carried out when APRIL’s Medical Department deems it necessary, and exclusively as the result of a serious accident. The repatriation of the injured Client to his/her usual country of residence will be performed by regular airline, accompanied by a doctor or nurse (if applicable and subject to seat availability). This repatriation must be expressly authorized and coordinated by the APRIL Assistance Center involved. Should the Client or his/her family decide to make a medical repatriation disregarding the opinion of the APRIL Medical Department, APRIL shall not be liable for such an action, and the repatriation, its costs and its consequences will be at the sole risk and expense of the Client and/or his/her family.

J. Funerary Repatriation: In the event of demise of a Client, APRIL will organize the funerary repatriation for:

1. The coffin required for transportation;

2. Administrative procedures;

3. Transportation to the airport of entrance to the country of permanent residence of the Client, by the means that APRIL deems most convenient.

K. Medical Expenses Advance: APRIL will not take care of the cost of any of the medical expenses (unless covered according under the General Terms and Conditions of an APRIL policy), but will advance medical payments to the Client up to $10,000 as long as this payment is guaranteed by the Client, the Client’s employer, or a Client’s relative or friend. This guarantee means that the total amount should be debited from a valid debit or credit card from the above- mentioned parties.

L. Medical Assistance Follow-up: In case of an accident or sickness, APRIL will monitor the development of the mentioned event, to make sure the correct procedures are followed until the event is finalized. APRIL will also provide the service of communicating any advances to the Client as well as the Client’s family until the Client medical problem is resolved or stabilized.

M. Eyeglasses/Contact Lens Replacement: APRIL will provide the service for the Client to receive the eyeglasses and/or contact lenses that they need for continuing their trip. The cost for the eyeglasses, lenses, and delivery will be paid for by the Client.

N. Medications Replacement: APRIL will locate the medication the Client needs in case they lose or forget it at some point during the trip. The medication or delivery costs will be paid for by the Client.

O. Return Of Minor: Should a Client be traveling as the only companion of a child (or children) under the age of 15, who is (are) also an APRIL Client(s), and is unable to take care of the child (children) due to an illness or an accident occurred during the trip, APRIL will arrange the trip of a relative to accompany the child (children) back to their permanent place of residence. The choice of the means of transportation to be used for the minor’s escort will be made exclusively by APRIL.

P. Return Of Elderly People: If a Client travels with one or more elders over 75 (seventy-five) that are also Clients of APRIL, and he/she cannot be in charge of accompanying these persons due to illness or accident occurred during the trip, then APRIL will be in charge of organizing the transfer of one relative, so that he/she can accompany the Client(s) to his/her place of permanent residence. The choice of the means to be used will be at APRIL’s exclusive discretion.

Q. Transfer Of A Relative: In case an APRIL Client, traveling alone, is hospitalized abroad, such hospitalization has been authorized by APRIL’s Medical Department, and as long as the foreseen duration of the hospitalization for the Client is greater than 10 (ten) days, APRIL will arrange the trip of a relative, so that he/she may accompany the Client.

R. Restaurant Referrals and Reservations: APRIL shall provide the Client with information on restaurants in all the countries where APRIL provides travel assistance services and will book reservations if requested. All costs associated with this service are the responsibility of the Client. The Client must pay for the meals. APRIL uses publicly available methods to procure the reservations and does not offer any discounts with this service. This is not a service designed to obtain reservations at exclusive restaurants or restaurants that do not take reservations.

S. Event Ticketing: APRIL shall provide tickets to sporting events, theater or concert events worldwide as long as the tickets are available for purchase. Event Ticketing is a service that APRIL offers to Clients to find, purchase, and deliver tickets to certain events. The Client must pay for the tickets and delivery, typically via credit card. APRIL uses publicly available methods to procure the event tickets and does not offer any discount with this service. This is not a service designed to obtain tickets to events that are sold out or are not publicly available for some other reason.

T. Travel Reservation Services: In the event of an emergency, APRIL shall help the Client make emergency travel arrangements, including airline, hotel, and car rental reservations. The Client is responsible for payment of all tickets, accommodations and rentals arranged (unless covered under the General Terms and Conditions of an APRIL policy).

U. Airport Parking: Offsite-airport parking service specifically geared toward the business traveler with:

• A network of over 75 airports

• Online reservations

• Car washing & detailing

• Pet boarding

• Car maintenance (oil changes)

• Car charging stations

• Valet parking

APRIL will provide the Client location information (including directions if needed) as well as the available services for the facility of their choice. Daily discounted parking fees are the responsibility of the Client.

V. Retail Discounts: Money saving discount deals/coupons available for over 340 locations nationwide and 10 internationally. Coupons can be received via email or postal mail (coupon booklet).

W. Destination Profiles: APRIL shall provide information on every country in the world and over 200 cities worldwide including information on local entertainment, suggested itineraries, and health advisories.

X. Message Service: In the event of an emergency, APRIL will use its best efforts to transmit an urgent message for a Client to the Client’s family, friends, and/or business associates.

Y. Language Services: If a Client needs help communicating in an emergency, APRIL shall provide translation services in all major languages via telephone to a Client. If a Client requires ongoing or more complex translation services in emergency situations, APRIL shall refer the Client to local translators. The cost of the local translators shall be the sole responsibility of the Client.

Z. Hotel Accommodations: APRIL shall offer recommendations on hotels worldwide and book reservations if requested by the Client. All costs associated with this service are the responsibility of the Client.

AA. Legal Related Services Abroad: APRIL shall provide the following law-related services to Clients, upon request of the Client:

1. Providing the names, addresses and telephone numbers of lawyers in the area in which the Client is traveling in case of a car accident, traffic violations, or civil or criminal offenses. However, the selection of and the expenses associated with a particular attorney are the responsibility of the Client;

2. Notifying the proper embassy or consulate of the Client’s incarceration;

3. Continued communication with the incarcerated Client and other designated parties where allowed by local law;

4. Advancing of bail funds upon the receipt of a guarantee of repayment by the Client that is satisfactory to APRIL and where allowed by local law;

5. Arranging for the receipt of funds from third party sources.

NOTE: APRIL does not provide legal advice or counsel to Clients. The obligation of APRIL is limited to coordinating the disposal of services of a legal professional. In all cases, the lawyers designated or recommended by APRIL will act as agents of the Client without any right to claims or indemnifications against APRIL for having recommended such a professional.

BB. Floral Services: APRIL shall purchase and ship flowers and gift baskets to friends, family members, and business associates. Floral Services are services that APRIL offers to Clients to find, purchase, and deliver flowers and other gifts. The Client must pay for the flowers and gifts, typically via credit card. APRIL uses publicly available methods to procure the flowers and/or gifts and does not offer any discount with this service. This is not a service designed to deliver flowers to remote areas or to places that are not serviced by floral services companies.

7

Multi-Trip Plan Universal
APRIL Travel Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

A. Pre-Trip Services: APRIL shall provide the following standard travel information to its Clients:

1. Passport and visa requirements including information on how to obtain these documents;

2. Travel advisories;

3. Foreign currency exchange rates;

4. Inoculation and immunization requirements;

5. Temperature and weather information;

6. Address and telephone number of the nearest consulate or embassy;

7. Cultural and other events, if applicable.

B. Express Airport Security Assistance: APRIL will provide the Client information and recommendations on which program is best-suited for their needs based on frequency of travel, destination(s), and home airport(s). APRIL will help the client enroll and set up interviews (when necessary) for the appropriate program(s) including PreCheck, Global Entry, and/or CLEAR. APRIL cannot guarantee that the Client will pass the interview process. All associated fees for these programs are the responsibility of the Client.

C. Lost Luggage: APRIL shall assist a Client with the following items. Any third party expenses, including shipping and/or express delivery charges shall be the responsibility of the Client:

1. Locating his or her lost luggage and if requested, APRIL shall help a Client secure replacement items from home;

2. Obtaining a lost transportation ticket application;

3. Locating his or her lost documents and other important personal items.

NOTE: APRIL will not be liable for lost and unfound pieces of luggage. Any compensation due to lost or delayed luggage that the Client may be entitled to shall be paid by their insurance company and/or airline (unless covered under the General Terms and Conditions of an APRIL policy).

D. Smartphone Travel Applications: APRIL will provide recommendations and instructions for the top smartphone apps that best suit the Client’s device, needs and/or destination. These applications can provide streamlined GPS access to restaurant, destination, event, and attraction information. They may also assist with easily receiving service from taxi or transportation providers or getting status updates on flight information. Other apps help with currency exchange rate information, translation services, navigating airports (including finding lounges), and weather information. Recommendations on additional features and services are available.

E. Identity Theft: Assist identity theft victim by contracting the services of a specialized agency who will order and review credit bureau records on their behalf; investigate financial accounts where identity theft is suspected; assist in the cancellation of credit/debit cards to prevent additional harm; give access to emergency cash if the victim’s financial accounts were forced to be closed; and review account activity to identify any suspicious activities.

F. Airport Transfers: Shared-ride airport shuttle service, providing door-to-door ground transportation with 36 airports nationwide and 4 internationally. If private transfers are requested, we will arrange those on the Client’s behalf. Shuttle or Private transfer fees are the responsibility of the Client.

G. Access to Medical Providers: If requested by the Client, APRIL will provide the contact information of hospitals, dental clinics, physicians or any other specialist in the area where the Client is located. APRIL will also set up appointments when needed. These providers have already been pre-screened and approved for quality control purposes.

H. Medical Transfers: In case of an emergency, APRIL will arrange the transfer of the Client to the nearest medical facility in order for him/her to receive medical attention. When the APRIL Medical Department recommends transfer to a more adequate medical facility, such a transfer will be organized in the conditions and means authorized by APRIL. A doctor or nurse, if necessary, may accompany the injured or ailing Client. Payment for the medical transfer (and potentially an accompanying doctor or nurse) is the responsibility of the Client unless covered under the General Terms and Conditions of an APRIL policy.

NOTE: Only medical reasons, deemed necessary at the sole discretion of the APRIL’s Medical Department, will be taken into account to determine the need and/or urgency of transferring the Client. Should the Client or his/her family decide to make a transfer disregarding the opinion of the APRIL Medical Department, APRIL shall not be liable for such an action, and the transfer, its costs and its consequences will be at the sole risk and expense of the Client and/or his/her family.

I. Medical Repatriation: The medical repatriation of the Client will only be carried out when APRIL’s Medical Department deems it necessary, and exclusively as the result of a serious accident. The repatriation of the injured Client to his/her usual country of residence will be performed by regular airline, accompanied by a doctor or nurse (if applicable and subject to seat availability). This repatriation must be expressly authorized and coordinated by the APRIL Assistance Center involved. Should the Client or his/her family decide to make a medical repatriation disregarding the opinion of the APRIL Medical Department, APRIL shall not be liable for such an action, and the repatriation, its costs and its consequences will be at the sole risk and expense of the Client and/or his/her family.

J. Funerary Repatriation: In the event of demise of a Client, APRIL will organize the funerary repatriation for:

1. The coffin required for transportation;

2. Administrative procedures;

3. Transportation to the airport of entrance to the country of permanent residence of the Client, by the means that APRIL deems most convenient.

K. Medical Expenses Advance: APRIL will not take care of the cost of any of the medical expenses (unless covered according under the General Terms and Conditions of an APRIL policy), but will advance medical payments to the Client up to $10,000 as long as this payment is guaranteed by the Client, the Client’s employer, or a Client’s relative or friend. This guarantee means that the total amount should be debited from a valid debit or credit card from the above- mentioned parties.

L. Medical Assistance Follow-up: In case of an accident or sickness, APRIL will monitor the development of the mentioned event, to make sure the correct procedures are followed until the event is finalized. APRIL will also provide the service of communicating any advances to the Client as well as the Client’s family until the Client medical problem is resolved or stabilized.

M. Eyeglasses/Contact Lens Replacement: APRIL will provide the service for the Client to receive the eyeglasses and/or contact lenses that they need for continuing their trip. The cost for the eyeglasses, lenses, and delivery will be paid for by the Client.

N. Medications Replacement: APRIL will locate the medication the Client needs in case they lose or forget it at some point during the trip. The medication or delivery costs will be paid for by the Client.

O. Return Of Minor: Should a Client be traveling as the only companion of a child (or children) under the age of 15, who is (are) also an APRIL Client(s), and is unable to take care of the child (children) due to an illness or an accident occurred during the trip, APRIL will arrange the trip of a relative to accompany the child (children) back to their permanent place of residence. The choice of the means of transportation to be used for the minor’s escort will be made exclusively by APRIL.

P. Return Of Elderly People: If a Client travels with one or more elders over 75 (seventy-five) that are also Clients of APRIL, and he/she cannot be in charge of accompanying these persons due to illness or accident occurred during the trip, then APRIL will be in charge of organizing the transfer of one relative, so that he/she can accompany the Client(s) to his/her place of permanent residence. The choice of the means to be used will be at APRIL’s exclusive discretion.

Q. Transfer Of A Relative: In case an APRIL Client, traveling alone, is hospitalized abroad, such hospitalization has been authorized by APRIL’s Medical Department, and as long as the foreseen duration of the hospitalization for the Client is greater than 10 (ten) days, APRIL will arrange the trip of a relative, so that he/she may accompany the Client.

R. Restaurant Referrals and Reservations: APRIL shall provide the Client with information on restaurants in all the countries where APRIL provides travel assistance services and will book reservations if requested. All costs associated with this service are the responsibility of the Client. The Client must pay for the meals. APRIL uses publicly available methods to procure the reservations and does not offer any discounts with this service. This is not a service designed to obtain reservations at exclusive restaurants or restaurants that do not take reservations.

S. Event Ticketing: APRIL shall provide tickets to sporting events, theater or concert events worldwide as long as the tickets are available for purchase. Event Ticketing is a service that APRIL offers to Clients to find, purchase, and deliver tickets to certain events. The Client must pay for the tickets and delivery, typically via credit card. APRIL uses publicly available methods to procure the event tickets and does not offer any discount with this service. This is not a service designed to obtain tickets to events that are sold out or are not publicly available for some other reason.

T. Travel Reservation Services: In the event of an emergency, APRIL shall help the Client make emergency travel arrangements, including airline, hotel, and car rental reservations. The Client is responsible for payment of all tickets, accommodations and rentals arranged (unless covered under the General Terms and Conditions of an APRIL policy).

U. Airport Parking: Offsite-airport parking service specifically geared toward the business traveler with:

• A network of over 75 airports

• Online reservations

• Car washing & detailing

• Pet boarding

• Car maintenance (oil changes)

• Car charging stations

• Valet parking

APRIL will provide the Client location information (including directions if needed) as well as the available services for the facility of their choice. Daily discounted parking fees are the responsibility of the Client.

V. Retail Discounts: Money saving discount deals/coupons available for over 340 locations nationwide and 10 internationally. Coupons can be received via email or postal mail (coupon booklet).

W. Destination Profiles: APRIL shall provide information on every country in the world and over 200 cities worldwide including information on local entertainment, suggested itineraries, and health advisories.

X. Message Service: In the event of an emergency, APRIL will use its best efforts to transmit an urgent message for a Client to the Client’s family, friends, and/or business associates.

Y. Language Services: If a Client needs help communicating in an emergency, APRIL shall provide translation services in all major languages via telephone to a Client. If a Client requires ongoing or more complex translation services in emergency situations, APRIL shall refer the Client to local translators. The cost of the local translators shall be the sole responsibility of the Client.

Z. Hotel Accommodations: APRIL shall offer recommendations on hotels worldwide and book reservations if requested by the Client. All costs associated with this service are the responsibility of the Client.

AA. Legal Related Services Abroad: APRIL shall provide the following law-related services to Clients, upon request of the Client:

1. Providing the names, addresses and telephone numbers of lawyers in the area in which the Client is traveling in case of a car accident, traffic violations, or civil or criminal offenses. However, the selection of and the expenses associated with a particular attorney are the responsibility of the Client;

2. Notifying the proper embassy or consulate of the Client’s incarceration;

3. Continued communication with the incarcerated Client and other designated parties where allowed by local law;

4. Advancing of bail funds upon the receipt of a guarantee of repayment by the Client that is satisfactory to APRIL and where allowed by local law;

5. Arranging for the receipt of funds from third party sources.

NOTE: APRIL does not provide legal advice or counsel to Clients. The obligation of APRIL is limited to coordinating the disposal of services of a legal professional. In all cases, the lawyers designated or recommended by APRIL will act as agents of the Client without any right to claims or indemnifications against APRIL for having recommended such a professional.

BB. Floral Services: APRIL shall purchase and ship flowers and gift baskets to friends, family members, and business associates. Floral Services are services that APRIL offers to Clients to find, purchase, and deliver flowers and other gifts. The Client must pay for the flowers and gifts, typically via credit card. APRIL uses publicly available methods to procure the flowers and/or gifts and does not offer any discount with this service. This is not a service designed to deliver flowers to remote areas or to places that are not serviced by floral services companies.

8

Multi-Trip Plan Elite
APRIL Travel Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

A. Pre-Trip Services: APRIL shall provide the following standard travel information to its Clients:

1. Passport and visa requirements including information on how to obtain these documents;

2. Travel advisories;

3. Foreign currency exchange rates;

4. Inoculation and immunization requirements;

5. Temperature and weather information;

6. Address and telephone number of the nearest consulate or embassy;

7. Cultural and other events, if applicable.

B. Express Airport Security Assistance: APRIL will provide the Client information and recommendations on which program is best-suited for their needs based on frequency of travel, destination(s), and home airport(s). APRIL will help the client enroll and set up interviews (when necessary) for the appropriate program(s) including PreCheck, Global Entry, and/or CLEAR. APRIL cannot guarantee that the Client will pass the interview process. All associated fees for these programs are the responsibility of the Client.

C. Lost Luggage: APRIL shall assist a Client with the following items. Any third party expenses, including shipping and/or express delivery charges shall be the responsibility of the Client:

1. Locating his or her lost luggage and if requested, APRIL shall help a Client secure replacement items from home;

2. Obtaining a lost transportation ticket application;

3. Locating his or her lost documents and other important personal items.

NOTE: APRIL will not be liable for lost and unfound pieces of luggage. Any compensation due to lost or delayed luggage that the Client may be entitled to shall be paid by their insurance company and/or airline (unless covered under the General Terms and Conditions of an APRIL policy).

D. Smartphone Travel Applications: APRIL will provide recommendations and instructions for the top smartphone apps that best suit the Client’s device, needs and/or destination. These applications can provide streamlined GPS access to restaurant, destination, event, and attraction information. They may also assist with easily receiving service from taxi or transportation providers or getting status updates on flight information. Other apps help with currency exchange rate information, translation services, navigating airports (including finding lounges), and weather information. Recommendations on additional features and services are available.

E. Identity Theft: Assist identity theft victim by contracting the services of a specialized agency who will order and review credit bureau records on their behalf; investigate financial accounts where identity theft is suspected; assist in the cancellation of credit/debit cards to prevent additional harm; give access to emergency cash if the victim’s financial accounts were forced to be closed; and review account activity to identify any suspicious activities.

F. Airport Transfers: Shared-ride airport shuttle service, providing door-to-door ground transportation with 36 airports nationwide and 4 internationally. If private transfers are requested, we will arrange those on the Client’s behalf. Shuttle or Private transfer fees are the responsibility of the Client.

G. Access to Medical Providers: If requested by the Client, APRIL will provide the contact information of hospitals, dental clinics, physicians or any other specialist in the area where the Client is located. APRIL will also set up appointments when needed. These providers have already been pre-screened and approved for quality control purposes.

H. Medical Transfers: In case of an emergency, APRIL will arrange the transfer of the Client to the nearest medical facility in order for him/her to receive medical attention. When the APRIL Medical Department recommends transfer to a more adequate medical facility, such a transfer will be organized in the conditions and means authorized by APRIL. A doctor or nurse, if necessary, may accompany the injured or ailing Client. Payment for the medical transfer (and potentially an accompanying doctor or nurse) is the responsibility of the Client unless covered under the General Terms and Conditions of an APRIL policy.

NOTE: Only medical reasons, deemed necessary at the sole discretion of the APRIL’s Medical Department, will be taken into account to determine the need and/or urgency of transferring the Client. Should the Client or his/her family decide to make a transfer disregarding the opinion of the APRIL Medical Department, APRIL shall not be liable for such an action, and the transfer, its costs and its consequences will be at the sole risk and expense of the Client and/or his/her family.

I. Medical Repatriation: The medical repatriation of the Client will only be carried out when APRIL’s Medical Department deems it necessary, and exclusively as the result of a serious accident. The repatriation of the injured Client to his/her usual country of residence will be performed by regular airline, accompanied by a doctor or nurse (if applicable and subject to seat availability). This repatriation must be expressly authorized and coordinated by the APRIL Assistance Center involved. Should the Client or his/her family decide to make a medical repatriation disregarding the opinion of the APRIL Medical Department, APRIL shall not be liable for such an action, and the repatriation, its costs and its consequences will be at the sole risk and expense of the Client and/or his/her family.

J. Funerary Repatriation: In the event of demise of a Client, APRIL will organize the funerary repatriation for:

1. The coffin required for transportation;

2. Administrative procedures;

3. Transportation to the airport of entrance to the country of permanent residence of the Client, by the means that APRIL deems most convenient.

K. Medical Expenses Advance: APRIL will not take care of the cost of any of the medical expenses (unless covered according under the General Terms and Conditions of an APRIL policy), but will advance medical payments to the Client up to $10,000 as long as this payment is guaranteed by the Client, the Client’s employer, or a Client’s relative or friend. This guarantee means that the total amount should be debited from a valid debit or credit card from the above- mentioned parties.

L. Medical Assistance Follow-up: In case of an accident or sickness, APRIL will monitor the development of the mentioned event, to make sure the correct procedures are followed until the event is finalized. APRIL will also provide the service of communicating any advances to the Client as well as the Client’s family until the Client medical problem is resolved or stabilized.

M. Eyeglasses/Contact Lens Replacement: APRIL will provide the service for the Client to receive the eyeglasses and/or contact lenses that they need for continuing their trip. The cost for the eyeglasses, lenses, and delivery will be paid for by the Client.

N. Medications Replacement: APRIL will locate the medication the Client needs in case they lose or forget it at some point during the trip. The medication or delivery costs will be paid for by the Client.

O. Return Of Minor: Should a Client be traveling as the only companion of a child (or children) under the age of 15, who is (are) also an APRIL Client(s), and is unable to take care of the child (children) due to an illness or an accident occurred during the trip, APRIL will arrange the trip of a relative to accompany the child (children) back to their permanent place of residence. The choice of the means of transportation to be used for the minor’s escort will be made exclusively by APRIL.

P. Return Of Elderly People: If a Client travels with one or more elders over 75 (seventy-five) that are also Clients of APRIL, and he/she cannot be in charge of accompanying these persons due to illness or accident occurred during the trip, then APRIL will be in charge of organizing the transfer of one relative, so that he/she can accompany the Client(s) to his/her place of permanent residence. The choice of the means to be used will be at APRIL’s exclusive discretion.

Q. Transfer Of A Relative: In case an APRIL Client, traveling alone, is hospitalized abroad, such hospitalization has been authorized by APRIL’s Medical Department, and as long as the foreseen duration of the hospitalization for the Client is greater than 10 (ten) days, APRIL will arrange the trip of a relative, so that he/she may accompany the Client.

R. Restaurant Referrals and Reservations: APRIL shall provide the Client with information on restaurants in all the countries where APRIL provides travel assistance services and will book reservations if requested. All costs associated with this service are the responsibility of the Client. The Client must pay for the meals. APRIL uses publicly available methods to procure the reservations and does not offer any discounts with this service. This is not a service designed to obtain reservations at exclusive restaurants or restaurants that do not take reservations.

S. Event Ticketing: APRIL shall provide tickets to sporting events, theater or concert events worldwide as long as the tickets are available for purchase. Event Ticketing is a service that APRIL offers to Clients to find, purchase, and deliver tickets to certain events. The Client must pay for the tickets and delivery, typically via credit card. APRIL uses publicly available methods to procure the event tickets and does not offer any discount with this service. This is not a service designed to obtain tickets to events that are sold out or are not publicly available for some other reason.

T. Travel Reservation Services: In the event of an emergency, APRIL shall help the Client make emergency travel arrangements, including airline, hotel, and car rental reservations. The Client is responsible for payment of all tickets, accommodations and rentals arranged (unless covered under the General Terms and Conditions of an APRIL policy).

U. Airport Parking: Offsite-airport parking service specifically geared toward the business traveler with:

• A network of over 75 airports

• Online reservations

• Car washing & detailing

• Pet boarding

• Car maintenance (oil changes)

• Car charging stations

• Valet parking

APRIL will provide the Client location information (including directions if needed) as well as the available services for the facility of their choice. Daily discounted parking fees are the responsibility of the Client.

V. Retail Discounts: Money saving discount deals/coupons available for over 340 locations nationwide and 10 internationally. Coupons can be received via email or postal mail (coupon booklet).

W. Destination Profiles: APRIL shall provide information on every country in the world and over 200 cities worldwide including information on local entertainment, suggested itineraries, and health advisories.

X. Message Service: In the event of an emergency, APRIL will use its best efforts to transmit an urgent message for a Client to the Client’s family, friends, and/or business associates.

Y. Language Services: If a Client needs help communicating in an emergency, APRIL shall provide translation services in all major languages via telephone to a Client. If a Client requires ongoing or more complex translation services in emergency situations, APRIL shall refer the Client to local translators. The cost of the local translators shall be the sole responsibility of the Client.

Z. Hotel Accommodations: APRIL shall offer recommendations on hotels worldwide and book reservations if requested by the Client. All costs associated with this service are the responsibility of the Client.

AA. Legal Related Services Abroad: APRIL shall provide the following law-related services to Clients, upon request of the Client:

1. Providing the names, addresses and telephone numbers of lawyers in the area in which the Client is traveling in case of a car accident, traffic violations, or civil or criminal offenses. However, the selection of and the expenses associated with a particular attorney are the responsibility of the Client;

2. Notifying the proper embassy or consulate of the Client’s incarceration;

3. Continued communication with the incarcerated Client and other designated parties where allowed by local law;

4. Advancing of bail funds upon the receipt of a guarantee of repayment by the Client that is satisfactory to APRIL and where allowed by local law;

5. Arranging for the receipt of funds from third party sources.

NOTE: APRIL does not provide legal advice or counsel to Clients. The obligation of APRIL is limited to coordinating the disposal of services of a legal professional. In all cases, the lawyers designated or recommended by APRIL will act as agents of the Client without any right to claims or indemnifications against APRIL for having recommended such a professional.

BB. Floral Services: APRIL shall purchase and ship flowers and gift baskets to friends, family members, and business associates. Floral Services are services that APRIL offers to Clients to find, purchase, and deliver flowers and other gifts. The Client must pay for the flowers and gifts, typically via credit card. APRIL uses publicly available methods to procure the flowers and/or gifts and does not offer any discount with this service. This is not a service designed to deliver flowers to remote areas or to places that are not serviced by floral services companies.

9

Choice
APRIL Travel Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

A. Pre-­Trip Services: APRIL shall provide the following standard travel information to its Clients:

1. Passport and visa requirements including information on how to obtain these documents;

2. Travel advisories;

3. Foreign currency exchange rates;

4. Inoculation and immunization requirements;

5. Temperature and weather information;

6. Address and telephone number of the nearest consulate or embassy;

7. Cultural and other events, if applicable.

B. Express Airport Security Assistance: APRIL will provide the Client information and recommendations on which program is best‐suited for their needs based on frequency of travel, destination(s), and home airport(s). APRIL will help the client enroll and set up interviews (when necessary) for the appropriate program(s) including PreCheck, Global Entry, and/or CLEAR. APRIL cannot guarantee that the Client will pass the interview process. All associated fees for these programs are the responsibility of the Client.

C. Lost Luggage: APRIL shall assist a Client with the following items. Any third party expenses, including shipping and/or express delivery charges shall be the responsibility of the Client:

1. Locating his or her lost luggage and if requested, APRIL shall help a Client secure replacement items from home;

2. Obtaining a lost transportation ticket application;

3. Locating his or her lost documents and other important personal items.

NOTE: APRIL will not be liable for lost and unfound pieces of luggage. Any compensation due to lost or delayed luggage that the Client may be entitled to shall be paid by their insurance company and/or airline (unless covered under the General Terms and Conditions of an APRIL policy).

D. Smartphone Travel Applications: APRIL will provide recommendations and instructions for the top smartphone apps that best suit the Client’s device, needs and/or destination. These applications can provide streamlined GPS access to restaurant, destination, event, and attraction information. They may also assist with easily receiving service from taxi or transportation providers or getting status updates on flight information. Other apps help with currency exchange rate information, translation services, navigating airports (including finding lounges), and weather information. Recommendations on additional features and services are available.

E. Identity Theft: Assist identity theft victim by contracting the services of a specialized agency who will order and review credit bureau records on their behalf; investigate financial accounts where identity theft is suspected; assist in the cancellation of credit/debit cards to prevent additional harm; give access to emergency cash if the victim’s financial accounts were forced to be closed; and review account activity to identify any suspicious activities.

F. Airport Transfers: Shared­‐ride airport shuttle service, providing door­‐to‐door ground transportation with 36 airports nationwide and 4 internationally. If private transfers are requested, we will arrange those on the Client’s behalf. Shuttle or Private transfer fees are the responsibility of the Client.

G. Access to Medical Providers: If requested by the Client, APRIL will provide the contact information of hospitals, dental clinics, physicians or any other specialist in the area where the Client is located. APRIL will also set up appointments when needed. These providers have already been pre­‐screened and approved for quality control purposes.

H. Medical Transfers: In case of an emergency, APRIL will arrange the transfer of the Client to the nearest medical facility in order for him/her to receive medical attention. When the APRIL Medical Department recommends transfer to a more adequate medical facility, such a transfer will be organized in the conditions and means authorized by APRIL. A doctor or nurse, if necessary, may accompany the injured or ailing Client. Payment for the medical transfer (and potentially an accompanying doctor or nurse) is the responsibility of the Client unless covered under the General Terms and Conditions of an APRIL policy.

NOTE: Only medical reasons, deemed necessary at the sole discretion of the APRIL’s Medical Department, will be taken into account to determine the need and/or urgency of transferring the Client. Should the Client or his/her family decide to make a transfer disregarding the opinion of the APRIL Medical Department, APRIL shall not be liable for such an action, and the transfer, its costs and its consequences will be at the sole risk and expense of the Client and/or his/her family.

I. Medical Repatriation: The medical repatriation of the Client will only be carried out when APRIL’s Medical Department deems it necessary, and exclusively as the result of a serious accident. The repatriation of the injured Client to his/her usual country of residence will be performed by regular airline, accompanied by a doctor or nurse (if applicable and subject to seat availability). This repatriation must be expressly authorized and coordinated by the APRIL Assistance Center involved. Should the Client or his/her family decide to make a medical repatriation disregarding the opinion of the APRIL Medical Department, APRIL shall not be liable for such an action, and the repatriation, its costs and its consequences will be at the sole risk and expense of the Client and/or his/her family.

J. Funerary Repatriation: In the event of demise of a Client, APRIL will organize the funerary repatriation for:

1. The coffin required for transportation;

2. Administrative procedures;

3. Transportation to the airport of entrance to the country of permanent residence of the Client, by the means that APRIL deems most convenient.

K. Medical Expenses Advance: APRIL will not take care of the cost of any of the medical expenses (unless covered according under the General Terms and Conditions of an APRIL policy), but will advance medical payments to the Client up to $10,000 as long as this payment is guaranteed by the Client, the Client’s employer, or a Client’s relative or friend. This guarantee means that the total amount should be debited from a valid debit or credit card from the above-­mentioned parties.

L. Medical Assistance Follow-­up: In case of an accident or sickness, APRIL will monitor the development of the mentioned event, to make sure the correct procedures are followed until the event is finalized. APRIL will also provide the service of communicating any advances to the Client as well as the Client’s family until the Client medical problem is resolved or stabilized.

M. Eyeglasses/Contact Lens Replacement: APRIL will provide the service for the Client to receive the eyeglasses and/or contact lenses that they need for continuing their trip. The cost for the eyeglasses, lenses, and delivery will be paid for by the Client.

N. Medications Replacement: APRIL will locate the medication the Client needs in case they lose or forget it at some point during the trip. The medication or delivery costs will be paid for by the Client.

O. Return Of Minor: Should a Client be traveling as the only companion of a child (or children) under the age of 15, who is (are) also an APRIL Client(s), and is unable to take care of the child (children) due to an illness or an accident occurred during the trip, APRIL will arrange the trip of a relative to accompany the child (children) back to their permanent place of residence. The choice of the means of transportation to be used for the minor’s escort will be made exclusively by APRIL.

P. Return Of Elderly People: If a Client travels with one or more elders over 75 (seventy‐five) that are also Clients of APRIL, and he/she cannot be in charge of accompanying these persons due to illness or accident occurred during the trip, then APRIL will be in charge of organizing the transfer of one relative, so that he/she can accompany the Client(s) to his/her place of permanent residence. The choice of the means to be used will be at APRIL’s exclusive discretion.

Q. Transfer Of A Relative: In case an APRIL Client, traveling alone, is hospitalized abroad, such hospitalization has been authorized by APRIL’s Medical Department, and as long as the foreseen duration of the hospitalization for the Client is greater than 10 (ten) days, APRIL will arrange the trip of a relative, so that he/she may accompany the Client.

R. Restaurant Referrals and Reservations: APRIL shall provide the Client with information on restaurants in all the countries where APRIL provides travel assistance services and will book reservations if requested. All costs associated with this service are the responsibility of the Client. The Client must pay for the meals. APRIL uses publicly available methods to procure the reservations and does not offer any discounts with this service. This is not a service designed to obtain reservations at exclusive restaurants or restaurants that do not take reservations.

S. Event Ticketing: APRIL shall provide tickets to sporting events, theater or concert events worldwide as long as the tickets are available for purchase. Event Ticketing is a service that APRIL offers to Clients to find, purchase, and deliver tickets to certain events. The Client must pay for the tickets and delivery, typically via credit card. APRIL uses publicly available methods to procure the event tickets and does not offer any discount with this service. This is not a service designed to obtain tickets to events that are sold out or are not publicly available for some other reason.

T. Travel Reservation Services: In the event of an emergency, APRIL shall help the Client make emergency travel arrangements, including airline, hotel, and car rental reservations. The Client is responsible for payment of all tickets, accommodations and rentals arranged (unless covered under the General Terms and Conditions of an APRIL policy).

U. Airport Parking: Offsite‐airport parking service specifically geared toward the business traveler with:

• A network of over 75 airports

• Online reservations

• Car washing & detailing

• Pet boarding

• Car maintenance (oil changes)

• Car charging stations

• Valet parking

APRIL will provide the Client location information (including directions if needed) as well as the available services for the facility of their choice. Daily discounted parking fees are the responsibility of the Client.

V. Retail Discounts: Money saving discount deals/coupons available for over 340 locations nationwide and 10 internationally. Coupons can be received via email or postal mail (coupon booklet).

W. Destination Profiles: APRIL shall provide information on every country in the world and over 200 cities worldwide including information on local entertainment, suggested itineraries, and health advisories.

X. Message Service: In the event of an emergency, APRIL will use its best efforts to transmit an urgent message for a Client to the Client’s family, friends, and/or business associates.

Y. Language Services: If a Client needs help communicating in an emergency, APRIL shall provide translation services in all major languages via telephone to a Client. If a Client requires ongoing or more complex translation services in emergency situations, APRIL shall refer the Client to local translators. The cost of the local translators shall be the sole responsibility of the Client.

Z. Hotel Accommodations: APRIL shall offer recommendations on hotels worldwide and book reservations if requested by the Client. All costs associated with this service are the responsibility of the Client.

AA. Legal Related Services Abroad: APRIL shall provide the following law‐related services to Clients, upon request of the Client:

1. Providing the names, addresses and telephone numbers of lawyers in the area in which the Client is traveling in case of a car accident, traffic violations, or civil or criminal offenses. However, the selection of and the expenses associated with a particular attorney are the responsibility of the Client;

2. Notifying the proper embassy or consulate of the Client’s incarceration;

3. Continued communication with the incarcerated Client and other designated parties where allowed by local law;

4. Advancing of bail funds upon the receipt of a guarantee of repayment by the Client that is satisfactory to APRIL and where allowed by local law;

5. Arranging for the receipt of funds from third party sources.

NOTE: APRIL does not provide legal advice or counsel to Clients. The obligation of APRIL is limited to coordinating the disposal of services of a legal professional. In all cases, the lawyers designated or recommended by APRIL will act as agents of the Client without any right to claims or indemnifications against APRIL for having recommended such a professional.

BB. Floral Services: APRIL shall purchase and ship flowers and gift baskets to friends, family members, and business associates. Floral Services are services that APRIL offers to Clients to find, purchase, and deliver flowers and other gifts. The Client must pay for the flowers and gifts, typically via credit card. APRIL uses publicly available methods to procure the flowers and/or gifts and does not offer any discount with this service. This is not a service designed to deliver flowers to remote areas or to places that are not serviced by floral services companies.

AXA Assistance USA
AXA Assistance USA

10

Silver
AXA Assistance USA

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

AXA ASSISTANCE USA
24/7 WORLDWIDE TRAVEL ASSISTANCE SERVICES

MEDICAL ASSISTANCE SERVICES

Medical and Dental Referrals

With a worldwide network of providers at our fingertips, we are able to offer you referrals to primary care physicians, dentists, clinics and hospitals.

Critical Care Monitoring

During your hospitalization, our medical professionals will remain in regular communication with the treating facility to ensure you are receiving the proper care.

Dispatch of Physician

If our medical professionals cannot adequately assess the need for medical transport or evacuation, we will dispatch a physician to your location to make an assessment.

Emergency Medical Evacuation

Whenever adequate medical facilities are not available locally, our medical professionals will recommend and arrange the appropriate method of transportation, equipment and personnel to evacuate you to the nearest facility capable of providing proper care. Payment for the emergency medical evacuation is only available for covered claims, up to the amount provided in the policy.

Medical Repatriation

If you need medical assistance to return home, our medical professionals will determine the appropriate transportation method and assist with all necessary travel arrangements based upon your medical condition. Payment for the medical repatriation is only available for covered claims, up to the amount provided in the policy.

Return of Mortal Remains

We will arrange the transportation and offer every, reasonable assistance in legal formalities, for the return of mortal remains. Payment for the return of mortal remains is only available for covered claims, up to the amount provided in the policy.

Vehicle Return Services

In the event that you need to be medically repatriated or evacuated to your home, we will coordinate all arrangements needed for the return of your unattended vehicle.

Dispatch of Prescription Medication

If you forget or lose a prescribed medication, we will assist with replacement medication. If the medication is not available locally, we will coordinate the dispatch of prescription medication, when possible and legally permissible, or provide you with an appointment with a physician in order to re-establish the prescription. This service is also available for medical devices and eye glasses.

TRAVEL ASSISTANCE SERVICES

General Travel Information

Before you travel, you can obtain information about visa, passport, immunization requirements and local customs. You can also obtain 24-hour pre-departure information on weather, currency or holidays.

Lost Document and Lost Article Assistance

We will assist with arrangements to replace or forward copies of lost or stolen documents, including passports, driver’s licenses and credit cards, as well as assist with procedures to file loss reports and to recover lost or stolen articles such as luggage.

Pet Housing and Return

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

Urgent Message Relay

We will relay emergency messages on your behalf.

Emergency Cash and Bail Assistance

During emergency situation, we can help arrange an emergency cash advance. This service can also provide assistance in obtaining bail bonds, where available.

Legal Referrals

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

AXA ASSISTANCE USA

‘White-Glove’ CONCIERGE SERVICES

Concierge services designed to fulfill various leisure and entertainment requests as well as travel related services. Call AXA Assistance’s concierge services prior to departing for advice on planning your trip or for any last minute recommendations or reservations while you are away.
•Restaurant and hotel referrals and reservations
•Transportation information and referrals (rental car and limousine)
•Luxury rental information and arrangements (houseboats, villas, charter planes)
•Entertainment information and ticketing (opera, ballet, theater, concerts, sporting events and museums)
•Golf course information and referrals and tee times
•Gift referrals and arrangement services
•Shopping and product information, locations and referrals •City and cultural information (city events and attractions)

AXA ASSISTANCE USA

IDENTITY THEFT SERVICES

If you suddenly find yourself missing your identification, credit or debit cards, or other important personal or financial documents, while traveling we can provide an Identity Theft solution. This service provides:
•Education & Protection: An identity theft risk & prevention toolkit and resolution guide.
•Personal Guidance: Assistance with filing and obtaining police and credit reports, contracting creditor fraud departments, taking inventory of lost or stolen items and more.
•Emergency Funds: Assistance sending emergency funds to you.

11

Gold
AXA Assistance USA

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

AXA ASSISTANCE USA
24/7 WORLDWIDE TRAVEL ASSISTANCE SERVICES

MEDICAL ASSISTANCE SERVICES

Medical and Dental Referrals

With a worldwide network of providers at our fingertips, we are able to offer you referrals to primary care physicians, dentists, clinics and hospitals.

Critical Care Monitoring

During your hospitalization, our medical professionals will remain in regular communication with the treating facility to ensure you are receiving the proper care.

Dispatch of Physician

If our medical professionals cannot adequately assess the need for medical transport or evacuation, we will dispatch a physician to your location to make an assessment.

Emergency Medical Evacuation

Whenever adequate medical facilities are not available locally, our medical professionals will recommend and arrange the appropriate method of transportation, equipment and personnel to evacuate you to the nearest facility capable of providing proper care. Payment for the emergency medical evacuation is only available for covered claims, up to the amount provided in the policy.

Medical Repatriation

If you need medical assistance to return home, our medical professionals will determine the appropriate transportation method and assist with all necessary travel arrangements based upon your medical condition. Payment for the medical repatriation is only available for covered claims, up to the amount provided in the policy.

Return of Mortal Remains

We will arrange the transportation and offer every, reasonable assistance in legal formalities, for the return of mortal remains. Payment for the return of mortal remains is only available for covered claims, up to the amount provided in the policy.

Vehicle Return Services

In the event that you need to be medically repatriated or evacuated to your home, we will coordinate all arrangements needed for the return of your unattended vehicle.

Dispatch of Prescription Medication

If you forget or lose a prescribed medication, we will assist with replacement medication. If the medication is not available locally, we will coordinate the dispatch of prescription medication, when possible and legally permissible, or provide you with an appointment with a physician in order to re-establish the prescription. This service is also available for medical devices and eye glasses.

TRAVEL ASSISTANCE SERVICES

General Travel Information

Before you travel, you can obtain information about visa, passport, immunization requirements and local customs. You can also obtain 24-hour pre-departure information on weather, currency or holidays.

Lost Document and Lost Article Assistance

We will assist with arrangements to replace or forward copies of lost or stolen documents, including passports, driver’s licenses and credit cards, as well as assist with procedures to file loss reports and to recover lost or stolen articles such as luggage.

Pet Housing and Return

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

Urgent Message Relay

We will relay emergency messages on your behalf.

Emergency Cash and Bail Assistance

During emergency situation, we can help arrange an emergency cash advance. This service can also provide assistance in obtaining bail bonds, where available.

Legal Referrals

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

AXA ASSISTANCE USA

‘White-Glove’ CONCIERGE SERVICES

Concierge services designed to fulfill various leisure and entertainment requests as well as travel related services. Call AXA Assistance’s concierge services prior to departing for advice on planning your trip or for any last minute recommendations or reservations while you are away.
•Restaurant and hotel referrals and reservations
•Transportation information and referrals (rental car and limousine)
•Luxury rental information and arrangements (houseboats, villas, charter planes)
•Entertainment information and ticketing (opera, ballet, theater, concerts, sporting events and museums)
•Golf course information and referrals and tee times
•Gift referrals and arrangement services
•Shopping and product information, locations and referrals •City and cultural information (city events and attractions)

AXA ASSISTANCE USA

IDENTITY THEFT SERVICES

If you suddenly find yourself missing your identification, credit or debit cards, or other important personal or financial documents, while traveling we can provide an Identity Theft solution. This service provides:
•Education & Protection: An identity theft risk & prevention toolkit and resolution guide.
•Personal Guidance: Assistance with filing and obtaining police and credit reports, contracting creditor fraud departments, taking inventory of lost or stolen items and more.
•Emergency Funds: Assistance sending emergency funds to you.

12

Platinum
AXA Assistance USA

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

AXA ASSISTANCE USA

24/7 WORLDWIDE TRAVEL ASSISTANCE SERVICES

MEDICAL ASSISTANCE SERVICES

Medical and Dental Referrals

With a worldwide network of providers at our fingertips, we are able to offer you referrals to primary care physicians, dentists, clinics and hospitals.

Critical Care Monitoring

During your hospitalization, our medical professionals will remain in regular communication with the treating facility to ensure you are receiving the proper care.

Dispatch of Physician

If our medical professionals cannot adequately assess the need for medical transport or evacuation, we will dispatch a physician to your location to make an assessment.

Emergency Medical Evacuation

Whenever adequate medical facilities are not available locally, our medical professionals will recommend and arrange the appropriate method of transportation, equipment and personnel to evacuate you to the nearest facility capable of providing proper care. Payment for the emergency medical evacuation is only available for covered claims, up to the amount provided in the policy.

Medical Repatriation

If you need medical assistance to return home, our medical professionals will determine the appropriate transportation method and assist with all necessary travel arrangements based upon your medical condition. Payment for the medical repatriation is only available for covered claims, up to the amount provided in the policy.

Return of Mortal Remains

We will arrange the transportation and offer every, reasonable assistance in legal formalities, for the return of mortal remains. Payment for the return of mortal remains is only available for covered claims, up to the amount provided in the policy.

Vehicle Return Services

In the event that you need to be medically repatriated or evacuated to your home, we will coordinate all arrangements needed for the return of your unattended vehicle.

Dispatch of Prescription Medication

If you forget or lose a prescribed medication, we will assist with replacement medication. If the medication is not available locally, we will coordinate the dispatch of prescription medication, when possible and legally permissible, or provide you with an appointment with a physician in order to re-establish the prescription. This service is also available for medical devices and eye glasses.

TRAVEL ASSISTANCE SERVICES

General Travel Information

Before you travel, you can obtain information about visa, passport, immunization requirements and local customs. You can also obtain 24-hour pre-departure information on weather, currency or holidays.

Lost Document and Lost Article Assistance

We will assist with arrangements to replace or forward copies of lost or stolen documents, including passports, driver’s licenses and credit cards, as well as assist with procedures to file loss reports and to recover lost or stolen articles such as luggage.

Pet Housing and Return

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

Urgent Message Relay

We will relay emergency messages on your behalf.

Emergency Cash and Bail Assistance

During emergency situation, we can help arrange an emergency cash advance. This service can also provide assistance in obtaining bail bonds, where available.

Legal Referrals

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

AXA ASSISTANCE USA

‘White-Glove’ CONCIERGE SERVICES

Concierge services designed to fulfill various leisure and entertainment requests as well as travel related services. Call AXA Assistance’s concierge services prior to departing for advice on planning your trip or for any last minute recommendations or reservations while you are away.

•Restaurant and hotel referrals and reservations

•Transportation information and referrals (rental car and limousine)

•Luxury rental information and arrangements (houseboats, villas, charter planes)

•Entertainment information and ticketing (opera, ballet, theater, concerts, sporting events and museums)

•Golf course information and referrals and tee times

•Gift referrals and arrangement services

•Shopping and product information, locations and referrals •City and cultural information (city events and attractions)

AXA ASSISTANCE USA

IDENTITY THEFT SERVICES

If you suddenly find yourself missing your identification, credit or debit cards, or other important personal or financial documents, while traveling we can provide an Identity Theft solution. This service provides:

•Education & Protection: An identity theft risk & prevention toolkit and resolution guide.

•Personal Guidance: Assistance with filing and obtaining police and credit reports, contracting creditor fraud departments, taking inventory of lost or stolen items and more.

•Emergency Funds: Assistance sending emergency funds to you.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

13

Beacon America incl US
Azimuth Risk Solutions, LLC

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

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.

14

Beacon International excl US
Azimuth Risk Solutions, LLC

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

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.

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

15

ExactCare
Berkshire Hathaway Travel Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

ASSISTANCE SERVICES

All the Assistance Services listed below are not insurance benefits and are not provided by the Insurer. Berkshire Hathaway Specialty Concierge 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
· 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 Berkshire Hathaway Specialty Concierge.
If you have questions about a request or concierge service not listed above, we can likely assist. Please contact our service desk 24 hours a day, seven days a week at 1-844-411-BHTP (2487).

CSA Travel Protection
CSA Travel Protection

16

Custom
CSA Travel Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

EMERGENCY ASSISTANCE SERVICES

(PROVIDED BY CSA’S DESIGNATED PROVIDER)

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.

ON DEMAND MEDICAL CARE

Consult A Doctor TM

Consult A Doctor 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

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 Accident and Medical Expense 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.

CONCIERGE SERVICES

City profiles: provide travelers access to information on over 10,000 destinations worldwide, including a complete report on local entertainment, social customs, and health advisories.

Epicurean needs: arranges the delivery of specialized foods and beverages to your home or office, including gourmet meats and fine wine.

Event ticketing: provides tickets to virtually any sporting, theater or concert event worldwide.

Flowers and gift baskets: include the purchase and shipment of flowers and gift baskets to friends, family members, and business associates.

Golf outings and tee times: provide referrals and tee times at golf courses around the world.

Hotel accommodations: offers research and recommendations on hotels worldwide and book reservations if requested by you.

Meet-and-greet services: include the pick-ups of friends; family members or business associates at airports or other common carrier destinations by limousine personnel.

Personalized retail shopping assistance: includes purchasing selected retail items at your request.

Pre-trip assistance: provides information on travel destinations, city profiles, weather, special events, ATM locations, currency exchange rates, immunization and passport requirements, and related services.

Procurement of hard-to-find items: ensures our associates will use every means possible to obtain an obscure or exotic item at your request.

Restaurant reviews and reservations: provides you with information on restaurants worldwide and the ability to book reservations from anywhere, anytime.

Rental car reservations: provide worldwide reservations through most major rental car agencies.

Airline reservations: provide full-service air travel accommodations to destinations worldwide.

Pet Services Locator: helps travelers find pet-related services such as veterinarians and pet sitters.

DESCRIPTION OF IDENTITY THEFT RESOLUTION SERVICES

(PROVIDED BY CSA’S DESIGNATED PROVIDER)

If you believe you are victim of Identity Theft, please contact our assistance provider at (877) 243-4135. A description of the service and terms of use are provided below. The assistance provider treats each “Identify Theft” as an emergency and, subject to the limitations set forth in this Program Description, performs, for you any or all of the following steps necessary to attempt to undo or prevent further damage upon receipt, by you, of a duly completed and executed “Authorization Form”.

• Obtain all pertinent credit information and history from you on the phone to determine if a fraud or theft has occurred.

• Educate you on how Identity Theft occurs and inform you of protective measures to take to avoid further occurrences.

• Provide you with a helpful ID Theft Resolution Kit.

• Provide you with a uniform ID Theft Affidavit (“Affidavit”), answer any question with regard to completing the Affidavit and submit the Affidavit to the proper authorities, credit bureaus, and creditors.

• Obtain list of creditors to be contacted and contact them with separate itemized fraudulent account statements for each fraudulent occurrence.

• Report or assist you in reporting the fraudulent activity to the local authorities and forward a report of the said fraudulent activity to your creditors.

• Notify all three major credit-reporting agencies to obtain a free credit report for you and place an alert on your records with the agencies, and obtain a list of additional creditors from you.

• If the Identity Theft Affidavit proves that you are a victim of Identity Theft, the assistance provider shall provide access via postal mail to credit monitoring to you for one year.

• Place a “security freeze” on your credit records, in states where such law was passed.

• Submit “Authorization Form” and Affidavit to your creditors requesting cancellation of your card(s) and an issuance of a new one(s).

• If other forms of identification were stolen or missing, such as an ATM card, Driver’s License, Social Security Card, Passport and so forth, notify or assist you in notifying the appropriate bank or agency of the situation so that you may take appropriate action and reissue a new form of identification.

• Provide you with assistance in filing or submitting paperwork for special ID Theft Protective measures, specific to your state of residence.

• On a weekly basis, until file is closed, contact you with an updated status report.

• When needed, follow up with creditors to ensure that the matter has been properly handled.

GeoBlue
GeoBlue

17

Voyager Choice
GeoBlue

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Travel Reimbursement Services

All participants covered by this insurance plan are enrolled in the Global Citizens Associations whose members are entitled (subject to submission of the proper documentation) to a total of a $500 allowance, and limited to $100 per incident, to cover costs associated with each of the following incidents:

Re-issuing a lost passport

Re-issuing a lost airline ticket

Replacing a lost piece of luggage that has not been returned (limited to $100 per piece of luggage) while on your covered trip. This does not include luggage that was temporarily delayed or lost and later recovered.

All participants are eligible for an additional allowance up to $500 if, post departure, your trip is shortened or interrupted for medical reasons, a terrorist event or an imminent threat* to personal safety. In that event, a participant will be reimbursed for the cost of changing an airline ticket or ground transportation ticket of the same class as the unused travel ticket to return home in an amount up to $500 (subject to submission of the proper documentation such as a medical report).

*Threat must be documented by U.S. State Department travel warning that is issued during your trip

HTH Global Health and Safety Services

Access to contracted doctors in more than 180 countries

Access to worldwide security information in more than 130 countries and 235 cities

Online doctor search with more than 6,500 contracted physicians

Access to Drug Translation Guide

Health and security news alerts

View More Details

24 Hour/ 7 Day Global Medical Assistance

Available to U.S. residents, age 84 or younger, who live in approved states. See Eligibility Requirements.

Participant must be enrolled in a primary health plan. There is no pre-existing condition exclusion.

This is a non renewable plan. Subsequent periods of insurance can be purchased, in which case a new Deductible, and Medical Limit would apply.

For more information about the benefits, including information about exclusions, limitations and State to State variation in benefits, see the Plan Description.

PLEASE NOTE: you can only purchase the policy prior to departing on your trip. Exceptions to this rule: if you have purchased a policy prior to departure and would like to extend the current plan (allowable up to 180 days). After 180 days of coverage, members are permitted to enroll one time in a subsequent policy. N.B. If you enroll in a subsequent policy, a new deductible and medical limit will apply. After 360 days, members are not eligible to buy another plan for the same trip.

18

Voyager Essential
GeoBlue

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Travel Reimbursement Services

All participants covered by this insurance plan are enrolled in the Global Citizens Associations whose members are entitled (subject to submission of the proper documentation) to a total of a $500 allowance, and limited to $100 per incident, to cover costs associated with each of the following incidents:

Re-issuing a lost passport

Re-issuing a lost airline ticket

Replacing a lost piece of luggage that has not been returned (limited to $100 per piece of luggage) while on your covered trip. This does not include luggage that was temporarily delayed or lost and later recovered.

All participants are eligible for an additional allowance up to $500 if, post departure, your trip is shortened or interrupted for medical reasons, a terrorist event or an imminent threat* to personal safety. In that event, a participant will be reimbursed for the cost of changing an airline ticket or ground transportation ticket of the same class as the unused travel ticket to return home in an amount up to $500 (subject to submission of the proper documentation such as a medical report).

*Threat must be documented by U.S. State Department travel warning that is issued during your trip

HTH Global Health and Safety Services

Access to contracted doctors in more than 180 countries

Access to worldwide security information in more than 130 countries and 235 cities

Online doctor search with more than 6,500 contracted physicians

Access to Drug Translation Guide

Health and security news alerts

View More Details

24 Hour/ 7 Day Global Medical Assistance

Available to U.S. residents, age 84 or younger, who live in approved states. See Eligibility Requirements.

Participant must be enrolled in a primary health plan. There is no pre-existing condition exclusion.

This is a non renewable plan. Subsequent periods of insurance can be purchased, in which case a new Deductible, and Medical Limit would apply.

For more information about the benefits, including information about exclusions, limitations and State to State variation in benefits, see the Plan Description.

PLEASE NOTE: you can only purchase the policy prior to departing on your trip. Exceptions to this rule: if you have purchased a policy prior to departure and would like to extend the current plan (allowable up to 180 days). After 180 days of coverage, members are permitted to enroll one time in a subsequent policy. N.B. If you enroll in a subsequent policy, a new deductible and medical limit will apply. After 360 days, members are not eligible to buy another plan for the same trip.

19

Trekker Choice excl US
GeoBlue

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

With the purchase of any of GeoBlue’s Travel Insurance products you are automatically enrolled into the Global Citizen Association. This association is dedicated to helping its members leave home safely and securely by providing them with critical health and security information and access to healthcare services the world over.

  • Access to contracted doctors in more than 180 countries. Find a qualified doctor in your destination — even include his or her office address and phone number with your important travel documents.
  • Access to City Health Profiles, which contain critical healthcare information, including vaccination requirements and emergency listings, for more than 600 destinations worldwide.
  • Access to Security Profiles, which include up-to-date information about terrorism, kidnapping and political stability.
  • Access to Travel News, critical health and security news from around the globe.
  • Access to the Drug Translation Guide. Medications are given different brand names around the world — our Guide will help you sort them out.
  • Access to the Medical Phrase and Terms Translation Guides. If you need care in your destination country, our Guides will help you communicate.

20

Trekker Essential excl US
GeoBlue

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

With the purchase of any of GeoBlue’s Travel Insurance products you are automatically enrolled into the Global Citizen Association. This association is dedicated to helping its members leave home safely and securely by providing them with critical health and security information and access to healthcare services the world over.

  • Access to contracted doctors in more than 180 countries. Find a qualified doctor in your destination — even include his or her office address and phone number with your important travel documents.
  • Access to City Health Profiles, which contain critical healthcare information, including vaccination requirements and emergency listings, for more than 600 destinations worldwide.
  • Access to Security Profiles, which include up-to-date information about terrorism, kidnapping and political stability.
  • Access to Travel News, critical health and security news from around the globe.
  • Access to the Drug Translation Guide. Medications are given different brand names around the world — our Guide will help you sort them out.
  • Access to the Medical Phrase and Terms Translation Guides. If you need care in your destination country, our Guides will help you communicate.

Global Alert
Global Alert

21

Essentials
Global Alert

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

One Call – 24-Hour Medical & Legal Assistance Services:

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the policy. All medical transportation services must be authorized and arranged by One Call. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the policy limits) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Trip, either locally or by special courier.

Repatriation of Remains – In the event of death while on a Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 Hour Legal Assistance – If while on your Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Nurse Helpline – Registered nurses are available 24-Hours a day before and during your Trip to provide general health information, clinical assessment, and health counseling to give you assistance in making appropriate healthcare decisions.

While we strive to provide help and advice for problems encountered by travelers wherever or whenever they occur, situations may arise beyond our control when immediate resolution is not possible. We will make every reasonable effort to refer you to appropriate medical and legal providers, but neither the Insurer nor One Call Worldwide Travel Services Network, Inc. may be held responsible for the availability, quality or results of any medical treatment or your failure to obtain medical treatment.

One Call 24-Hour Travel Solutions:

Message Services – We will transmit emergency messages to family, friends or business associates and let you know that the message has been received.

Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, We will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

One Call Concierge Services:

• Restaurant, shopping, hotel recommendations/reservations

• Local transport (rental car/limousine, etc.) information and reservations

• Sporting, theatre, night life and event information (sports scores, stock quotes, gift suggestions, etc.), recommendations and ticketing

• Golf course information, referrals, recommendations and tee times

• Tracking and assisting with the return of lost or delayed baggage

One Call Business Services:

• 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

22

Preferred
Global Alert

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

One Call – 24-Hour Medical & Legal Assistance Services:

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the policy. All medical transportation services must be authorized and arranged by One Call. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the policy limits) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Trip, either locally or by special courier.

Repatriation of Remains – In the event of death while on a Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 Hour Legal Assistance – If while on your Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Nurse Helpline – Registered nurses are available 24-Hours a day before and during your Trip to provide general health information, clinical assessment, and health counseling to give you assistance in making appropriate healthcare decisions.

While we strive to provide help and advice for problems encountered by travelers wherever or whenever they occur, situations may arise beyond our control when immediate resolution is not possible. We will make every reasonable effort to refer you to appropriate medical and legal providers, but neither the Insurer nor One Call Worldwide Travel Services Network, Inc. may be held responsible for the availability, quality or results of any medical treatment or your failure to obtain medical treatment.

One Call 24-Hour Travel Solutions:

Message Services – We will transmit emergency messages to family, friends or business associates and let you know that the message has been received.

Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, We will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

One Call Concierge Services:

• Restaurant, shopping, hotel recommendations/reservations

• Local transport (rental car/limousine, etc.) information and reservations

• Sporting, theatre, night life and event information (sports scores, stock quotes, gift suggestions, etc.), recommendations and ticketing

• Golf course information, referrals, recommendations and tee times

• Tracking and assisting with the return of lost or delayed baggage

One Call Business Services:

• 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

23

Preferred Plus
Global Alert

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

One Call – 24-Hour Medical & Legal Assistance Services:

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the policy. All medical transportation services must be authorized and arranged by One Call. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the policy limits) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Trip, either locally or by special courier.

Repatriation of Remains – In the event of death while on a Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 Hour Legal Assistance – If while on your Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Nurse Helpline – Registered nurses are available 24-Hours a day before and during your Trip to provide general health information, clinical assessment, and health counseling to give you assistance in making appropriate healthcare decisions.

While we strive to provide help and advice for problems encountered by travelers wherever or whenever they occur, situations may arise beyond our control when immediate resolution is not possible. We will make every reasonable effort to refer you to appropriate medical and legal providers, but neither the Insurer nor One Call Worldwide Travel Services Network, Inc. may be held responsible for the availability, quality or results of any medical treatment or your failure to obtain medical treatment.

One Call 24-Hour Travel Solutions:

Message Services – We will transmit emergency messages to family, friends or business associates and let you know that the message has been received.

Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, We will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

One Call Concierge Services:

• Restaurant, shopping, hotel recommendations/reservations

• Local transport (rental car/limousine, etc.) information and reservations

• Sporting, theatre, night life and event information (sports scores, stock quotes, gift suggestions, etc.), recommendations and ticketing

• Golf course information, referrals, recommendations and tee times

• Tracking and assisting with the return of lost or delayed baggage

One Call Business Services:

• 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

HCC Medical Insurance Services
HCC Medical Insurance Services

24

Atlas International excl US
HCC Medical Insurance Services

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

24 Hour Assistance

Travel Assistance Services are available to you 24 hours a day, 7 days a week while your Atlas plan is in effect. In addition to the services already described, the following services are included:

Embassy and consulate referrals

Legal and accounting referrals

Bail bond assistance

Translation and interpretation assistance

For a complete list of available assistance services or for more information, please contact HCCMIS.

Atlas Travel and Medical Assistance Services are not insurance benefits. Any Assistance Service provided is not a guarantee of any other benefit under Atlas Travel Plans.

HTH Travel Insurance
HTH Travel Insurance

25

TravelGap Voyager excl US
HTH Travel Insurance

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

With the purchase of any of HTH’s Travel Insurance products you are automatically enrolled in the HTH Travelers Club. This unique club is dedicated to helping its members leave home safely and securely by providing them with critical health and security information and access to healthcare services the world over.

  • Access to contracted doctors in more than 180 countries. Find a qualified doctor in your destination — even include his or her office address and phone number with your important travel documents.
  • Access to City Health Profiles, which contain critical healthcare information, including vaccination requirements and emergency listings, for more than 600 destinations worldwide.
  • Access to Security Profiles, which include up-to-date information about terrorism, kidnapping and political stability.
  • Access to Travel News, critical health and security news from around the globe.
  • Access to the HTH Drug Translation Guide. Medications are given different brand names around the world — our Guide will help you sort them out.
  • Access to the HTH Medical Phrase and Terms Translation Guides. If you need care in your destination country, our Guides will help you communicate.

26

TripProtector Preferred
HTH Travel Insurance

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

With the purchase of any of HTH’s Travel Insurance products you are automatically enrolled in the HTH Travelers Club. This unique club is dedicated to helping its members leave home safely and securely by providing them with critical health and security information and access to healthcare services the world over.

  • Access to contracted doctors in more than 180 countries. Find a qualified doctor in your destination — even include his or her office address and phone number with your important travel documents.
  • Access to City Health Profiles, which contain critical healthcare information, including vaccination requirements and emergency listings, for more than 600 destinations worldwide.
  • Access to Security Profiles, which include up-to-date information about terrorism, kidnapping and political stability.
  • Access to Travel News, critical health and security news from around the globe.
  • Access to the HTH Drug Translation Guide. Medications are given different brand names around the world — our Guide will help you sort them out.
  • Access to the HTH Medical Phrase and Terms Translation Guides. If you need care in your destination country, our Guides will help you communicate.

27

TravelGap Multi-Trip Silver excl US
HTH Travel Insurance

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

With the purchase of any of HTH’s Travel Insurance products you are automatically enrolled in the HTH Travelers Club. This unique club is dedicated to helping its members leave home safely and securely by providing them with critical health and security information and access to healthcare services the world over.

  • Access to contracted doctors in more than 180 countries. Find a qualified doctor in your destination — even include his or her office address and phone number with your important travel documents.
  • Access to City Health Profiles, which contain critical healthcare information, including vaccination requirements and emergency listings, for more than 600 destinations worldwide.
  • Access to Security Profiles, which include up-to-date information about terrorism, kidnapping and political stability.
  • Access to Travel News, critical health and security news from around the globe.
  • Access to the HTH Drug Translation Guide. Medications are given different brand names around the world — our Guide will help you sort them out.
  • Access to the HTH Medical Phrase and Terms Translation Guides. If you need care in your destination country, our Guides will help you communicate.

28

TravelGap Multi-Trip Gold excl US
HTH Travel Insurance

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

With the purchase of any of HTH’s Travel Insurance products you are automatically enrolled in the HTH Travelers Club. This unique club is dedicated to helping its members leave home safely and securely by providing them with critical health and security information and access to healthcare services the world over.

  • Access to contracted doctors in more than 180 countries. Find a qualified doctor in your destination — even include his or her office address and phone number with your important travel documents.
  • Access to City Health Profiles, which contain critical healthcare information, including vaccination requirements and emergency listings, for more than 600 destinations worldwide.
  • Access to Security Profiles, which include up-to-date information about terrorism, kidnapping and political stability.
  • Access to Travel News, critical health and security news from around the globe.
  • Access to the HTH Drug Translation Guide. Medications are given different brand names around the world — our Guide will help you sort them out.
  • Access to the HTH Medical Phrase and Terms Translation Guides. If you need care in your destination country, our Guides will help you communicate.

29

TravelGap Excursion excl US
HTH Travel Insurance

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

With the purchase of any of HTH’s Travel Insurance products you are automatically enrolled in the HTH Travelers Club. This unique club is dedicated to helping its members leave home safely and securely by providing them with critical health and security information and access to healthcare services the world over.

  • Access to contracted doctors in more than 180 countries. Find a qualified doctor in your destination — even include his or her office address and phone number with your important travel documents.
  • Access to City Health Profiles, which contain critical healthcare information, including vaccination requirements and emergency listings, for more than 600 destinations worldwide.
  • Access to Security Profiles, which include up-to-date information about terrorism, kidnapping and political stability.
  • Access to Travel News, critical health and security news from around the globe.
  • Access to the HTH Drug Translation Guide. Medications are given different brand names around the world — our Guide will help you sort them out.
  • Access to the HTH Medical Phrase and Terms Translation Guides. If you need care in your destination country, our Guides will help you communicate.

30

TripProtector Economy
HTH Travel Insurance

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

With the purchase of any of HTH’s Travel Insurance products you are automatically enrolled in the HTH Travelers Club. This unique club is dedicated to helping its members leave home safely and securely by providing them with critical health and security information and access to healthcare services the world over.

  • Access to contracted doctors in more than 180 countries. Find a qualified doctor in your destination — even include his or her office address and phone number with your important travel documents.
  • Access to City Health Profiles, which contain critical healthcare information, including vaccination requirements and emergency listings, for more than 600 destinations worldwide.
  • Access to Security Profiles, which include up-to-date information about terrorism, kidnapping and political stability.
  • Access to Travel News, critical health and security news from around the globe.
  • Access to the HTH Drug Translation Guide. Medications are given different brand names around the world — our Guide will help you sort them out.
  • Access to the HTH Medical Phrase and Terms Translation Guides. If you need care in your destination country, our Guides will help you communicate.

31

TripProtector Classic
HTH Travel Insurance

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

With the purchase of any of HTH’s Travel Insurance products you are automatically enrolled in the HTH Travelers Club. This unique club is dedicated to helping its members leave home safely and securely by providing them with critical health and security information and access to healthcare services the world over.

  • Access to contracted doctors in more than 180 countries. Find a qualified doctor in your destination — even include his or her office address and phone number with your important travel documents.
  • Access to City Health Profiles, which contain critical healthcare information, including vaccination requirements and emergency listings, for more than 600 destinations worldwide.
  • Access to Security Profiles, which include up-to-date information about terrorism, kidnapping and political stability.
  • Access to Travel News, critical health and security news from around the globe.
  • Access to the HTH Drug Translation Guide. Medications are given different brand names around the world — our Guide will help you sort them out.
  • Access to the HTH Medical Phrase and Terms Translation Guides. If you need care in your destination country, our Guides will help you communicate.

iTravelInsured
iTravelInsured

32

Travel Lite
iTravelInsured

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

World-Class Emergency Travel Assistance Services

iTravelInsured offers more than insurance protection. The following emergency travel assistance services are available to you, 24/7, while you are on your trip, bringing you Global Peace of Mind:

» Emergency Travel Arrangements

» Medical Referral

» Lost Passport/Travel Documents Assistance

» 24-Hour Medical Monitoring

» Lost Luggage Assistance

» Emergency Cash Transfer

» Embassy or Consulate Referral

» Legal Referrals

» Emergency Message Relay

» Emergency Translations

» Emergency Prescription Replacement

(These Travel Assistance Services are offered by iTravelInsured and are not insurance benefits provided by United States Fire Insurance Company.)

33

Travel SE
iTravelInsured

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

World-Class Emergency Travel Assistance Services

iTravelInsured offers more than insurance protection. The following emergency travel assistance services are available to you, 24/7, while you are on your trip, bringing you Global Peace of Mind:

» Emergency Travel Arrangements

» Medical Referral

» Lost Passport/Travel Documents Assistance

» 24-Hour Medical Monitoring

» Lost Luggage Assistance

» Emergency Cash Transfer

» Embassy or Consulate Referral

» Legal Referrals

» Emergency Message Relay

» Emergency Translations

» Emergency Prescription Replacement

(These Travel Assistance Services are offered by iTravelInsured and are not insurance benefits provided by United States Fire Insurance Company.)

34

Travel SE
iTravelInsured

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

World-Class Emergency Travel Assistance Services

iTravelInsured offers more than insurance protection. The following emergency travel assistance services are available to you, 24/7, while you are on your trip, bringing you Global Peace of Mind:

» Emergency Travel Arrangements

» Medical Referral

» Lost Passport/Travel Documents Assistance

» 24-Hour Medical Monitoring

» Lost Luggage Assistance

» Emergency Cash Transfer

» Embassy or Consulate Referral

» Legal Referrals

» Emergency Message Relay

» Emergency Translations

» Emergency Prescription Replacement

(These Travel Assistance Services are offered by iTravelInsured and are not insurance benefits provided by United States Fire Insurance Company.)

35

Travel LX
iTravelInsured

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

World-Class Emergency Travel Assistance Services

iTravelInsured offers more than insurance protection. The following emergency travel assistance services are available to you, 24/7, while you are on your trip, bringing you Global Peace of Mind:

» Emergency Travel Arrangements

» Medical Referral

» Lost Passport/Travel Documents Assistance

» 24-Hour Medical Monitoring

» Lost Luggage Assistance

» Emergency Cash Transfer

» Embassy or Consulate Referral

» Legal Referrals

» Emergency Message Relay

» Emergency Translations

» Emergency Prescription Replacement

(These Travel Assistance Services are offered by iTravelInsured and are not insurance benefits provided by United States Fire Insurance Company.)

36

Travel LX
iTravelInsured

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

World-Class Emergency Travel Assistance Services

iTravelInsured offers more than insurance protection. The following emergency travel assistance services are available to you, 24/7, while you are on your trip, bringing you Global Peace of Mind:

» Emergency Travel Arrangements

» Medical Referral

» Lost Passport/Travel Documents Assistance

» 24-Hour Medical Monitoring

» Lost Luggage Assistance

» Emergency Cash Transfer

» Embassy or Consulate Referral

» Legal Referrals

» Emergency Message Relay

» Emergency Translations

» Emergency Prescription Replacement

(These Travel Assistance Services are offered by iTravelInsured and are not insurance benefits provided by United States Fire Insurance Company.)

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

37

Bronze
John Hancock Insurance Agency, Inc.

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Assist Services

Emergency Medical Evacuation/Repatriation Coordination

If sick or injured in a location that does not have the necessary services to care for you, Seven Corners will help arranging an evacuation or repatriation to the nearest medical facility where you can receive medical treatment.

Emergency Medical Reunion Coordination

When Emergency Medical Evacuation or Repatriation is arranged and the attending Physician recommends that a family member travel with you, Seven Corners will provide support to coordinate the transportation of one individual of your choice, from your Home Country, to be at your side while you are hospitalized and then accompany you during your return to your Home Country.

Return of Mortal Remains

A sensitive and valuable service that relieves the stress and confusion for families when transporting mortal remains across a country. Laws and regulations can differ, and Seven Corners will help with all the logistics involved. The member is directly responsible for the expenses incurred for preparation and return of a covered person’s body to his or her home country if he or she dies.

Return of Minor Child(ren)

If traveling alone with a Minor Child(ren) and you are hospitalized and unable to take care of the Minor Child(ren) under age 19 and he or she is left unattended, Seven Corners will coordinate and facilitate the process for the return of unattended minors to the Insured’s domicile, (including an attendant/escort, if necessary to ensure the safety and welfare of a Minor Child). All expenses incurred are direct responsibility of the Insured member.

Vehicle Return

Should the insured, due to a medical condition, become unable to drive their vehicle back to his/her domicile Seven Corners will help coordinate the return the vehicle to the insured’s home. All cost associated with the return are Insured’s responsibility.

Pet Return

In case the insured is traveling with his/hers pet and find unable to care for it due to a medical emergency, Seven Corners will coordinate for the return of the insured’s pet to his/hers domicile. All cost associated with the return are Insured’s responsibility.

Prescription medication and glasses replacement

If you misplaced your medical prescription or damage your eyeglasses or contact lenses while away from home, Seven Corners will arrange to deliver the prescription or glasses (lenses included) to your current location. The cost of shipping and obtaining the prescription and or glasses are the member’s responsibility.

Medical, Dental, and Pharmacy referral and Case Monitoring

Access to our network of medical providers and case monitoring if the member is hospitalized when traveling and away from home, our medical management team monitors the case from initial admission until discharge while maintaining close contact with the member’s attending physician.

Pre-travel destination information

Access to our traveler’s portal Wellabroad which contains updated travel related information, links, country profiles, and much more.

Trip delay and missed connection coordination

We are available to assist members in rebooking flights due to cancellations, missed connections, or schedule change.

Hotel and flight re-bookings

We are able to assist members with any change or cancellation of existing hotel reservations in the event of unexpected change of travel plans.

Luggage delay, lost baggage and stolen or damaged baggage delay coordination

We can assist with the coordination to return any delayed luggage and with efforts to claim for any lost or stolen luggage to the commercial carrier.

Emergency return travel arrangements

In the event a member needs to return home due to an emergency, we are available to assist in making hotel, flight, and transportation arrangements to assist the member in returning home.

Lost travel document retrieval or duplication

Seven Corners can assist in obtaining emergency travel documents and replacements of lost or stolen documents, credit cards, passports or visas.

Legal, embassy, or consulate referrals

Access to our Travelers Portal Wellabroad that contains updated travel related embassy information and country related important facts.

Currency conversion assistance

Seven Corners can provide exact exchange rates for all currencies and assist in case of need to purchase foreign currency.

Information on local medical and travel advisories

Access to our traveler’s portal Wellabroad which contains the most current information related to medical advisories, immunizations needs, preventive measures, travel tips, medical facility capabilities, and up to date information on emergency assistance services worldwide.

Interpretation and translation services

Seven Corners can provide emergency translation and interpretation services in all major languages and referrals to interpreter services locally

Urgent message relay

Seven Corners will assist with contacting family in the event of an emergency situation while the member is travelling and relay any messages the member’s request.

Travel delays reports

We are able to maintain you informed any major delay affecting your travel.

Emergency cash advance

We can assist members in obtaining cash advances in local US currency for medical emergencies or other travel needs.

Legal referrals/ bond assistance

Seven Corners provides the member with information about general legal services in the area where the member is travelling and bond assistance if needed (expenses covered by the member.)

Text messaging alerts Includes weather emergencies, security issues, customs alerts, as well as health care or pandemic warnings.

Country Profiles: Access to our Wellabroad travel portal with updated information about any country in the world, political, economic and medical information affecting the members’ travels.

Security Alerts: Seven Corners via text message or email is able to maintain the members informed or any security situation affecting the area where the members is traveling and providing valuable information that will ensure the members safety.

Crisis management: In case of a security situation or natural disaster affecting the area where the member is currently travelling Seven Corners will inform the member of the best and safest way to return home.

Hotel referrals and reservations

Worldwide hotel search and referrals and assistance in making reservations on behalf of the member, subject to availability.

Gifts arrangements and deliveries

Coordination of finding unique gifts for friend, families and or business associates, including wrapping and delivery.

Special activities recommendations

Worldwide local activities recommendation and reservations made on behalf of the member subject to availability.

Tee time reservation (golf course recommendation)

Assistance with scheduling tee times and making course recommendations subject to availability.

Sport events tickets and reservations

Assistance with obtaining tickets to sporting events, theater, concert and other events, subject to availability.

Rental car or Limousine reservations

Coordination of car or limo arrangements including transportation to and from the airport, hotel, meetings, and more.

38

Silver
John Hancock Insurance Agency, Inc.

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Emergency Medical Evacuation/Repatriation Coordination

If sick or injured in a location that does not have the necessary services to care for you, Seven Corners will help arranging an evacuation or repatriation to the nearest medical facility where you can receive medical treatment.

Emergency Medical Reunion Coordination

When Emergency Medical Evacuation or Repatriation is arranged and the attending Physician recommends that a family member travel with you, Seven Corners will provide support to coordinate the transportation of one individual of your choice, from your Home Country, to be at your side while you are hospitalized and then accompany you during your return to your Home Country.

Return of Mortal Remains

A sensitive and valuable service that relieves the stress and confusion for families when transporting mortal remains across a country. Laws and regulations can differ, and Seven Corners will help with all the logistics involved. The member is directly responsible for the expenses incurred for preparation and return of a covered person’s body to his or her home country if he or she dies.

Return of Minor Child

If traveling alone with a Minor Child(ren) and you are hospitalized and unable to take care of the Minor

Child(ren), under age 19 and he or she is left unattended, Seven Corners will coordinate and facilitate the process for the return such dependent unattended minors to the Insured domicile, (including an attendant/escort, if necessary to ensure the safety and welfare of a Minor Child(ren)). All expenses incurred are direct responsibility of the FMCA member.

Vehicle Return

Should the insured, due to a medical condition, is unable to drive his/hers vehicle back to his hers domicile,

Seven Corners will help coordinate the return the vehicle to the insured’s home. Cost are not paid for by Seven Corners, all cost associated with the return are member responsibility.

Pet Return

In case the insured is traveling with his/hers pet and find unable to care for it due to a medical emergency,

Seven Corners will coordinate for the return of the insured’s pet to his/hers domicile. Cost must be borne by the pet’s owner or member, Seven Corners is not responsible for the cost of the service.

Prescription medication and glasses replacement

If you misplaced your medical prescription or damage your eyeglasses or contact lenses while away from home, Seven Corners will arrange to deliver the prescription or glasses (lenses included) to your current location. The cost of shipping and obtaining the prescription and or glasses are the member’s responsibility.

Medical, dental and pharmacy referral and Case Monitoring

Access to our network of medical providers and case monitoring if the member is hospitalized when traveling and away from home, our medical management team monitors the case from initial admission until discharge while maintaining close contact with the member’s attending physician.

Pre-travel destination information

Access to our Travelers Portal Wellabroad that contains updated travel related information, links, country profiles and much more.

Trip delay and missed connection coordination

We are available to assist members to rebook flights in the event of cancellations, missed connections or change of schedules.

Hotel and flight re-bookings

We are able to assist members with any change or cancellation of existing hotel reservations in the event of unexpected change of travel plans.

Luggage delay, lost baggage and stolen or damaged baggage delay coordination

We can assist with the coordination to return any delayed luggage and with efforts to claim for any lost or stolen luggage to the commercial carrier.

Emergency return travel arrangements

In the event a member needs to return home due to an emergency, we are available to assist in making hotel, flights and transportation arrangements to assist the member in returning home.

Lost travel documents retrieval or duplication

Seven Corners can assist in obtaining emergency travel documents and replacements of lost or stolen documents, credit cards, passports or visas.

Legal, embassy or consulate referrals

Access to our Travelers Portal Wellabroad that contains updated travel related embassy information and country related important facts.

Currency conversion assistance

Seven Corners can provide exact exchange rates for all currencies and assist in case of need to purchase foreign currency.

Information on local medical and travel advisories

Access to our Travelers Portal Wellabroad that contains the most current information related to medical advisories, immunizations needs, preventive measures tips, medical facilities capabilities and up to date information on emergency assistance services worldwide.

Interpretation and translation services

Seven Corners can provide emergency translation and interpretation services in all major languages and referrals to interpreter services locally

Urgent message relay

Seven Corners will assist with contacting family in the event of an emergency situation while the member is travelling and relay any messages the member’s request.

Travel delays reports

We are able to maintain you informed any major delay affecting your travel.

Emergency cash advance

We can assist members in obtaining cash advances in local US currency for medical emergencies or other travel needs. Funds are provided by the FMCA member.

Legal referrals/ bond assistance

Seven Corners provides the member with information about general legal services in the area where the member is travelling and bond assistance if needed (expenses covered by the member)

Travel Intelligence Services

In our ever changing global medical, security and business climate, Seven Corners’ Travel Intelligence Services seek to prepare all travelers with the advanced tools for successful travel. All travelers can benefit from the pre-trip preparation which includes medical, political and cultural informational services. The value-added differentiator of Trip Intelligence Services includes many benefits and educational resources for travelers even if medical care or trip management is not needed including:

Text messaging alerts

Includes weather emergencies, security issues, customs alerts, as well as health care or pandemic warnings.

Country Profiles: Access to our Wellabroad travel portal with updated information about any country in the world, political, economic and medical information affecting the members’ travels.

Security Alerts: Seven Corners via text message or email is able to maintain the members informed or any security situation affecting the area where the members is traveling and providing valuable information that will ensure the members safety.

Crisis management: In case of a security situation or natural disaster affecting the area where the member is currently travelling Seven Corners will inform the member of the best and safest way to return home.

Concierge Services

Hotel referrals and reservations

Worldwide hotel search and referrals and assistance in making reservations on behalf of the member, subject to availability.

Gifts arrangements and deliveries

Coordination of finding unique gifts for friend, families and or business associates, including wrapping and delivery.

Special activities recommendations

Worldwide local activities recommendation and reservations made on behalf of the member subject to availability.

Tee time reservation (golf course recommendation)

Assistance with scheduling tee times and making course recommendations subject to availability.

Sport events tickets and reservations

Assistance with obtaining tickets to sporting events, theater, concert and other events, subject to availability.

Rental car or Limousine reservations

Coordination of car or limo arrangements including transportation to and from the airport, hotel, meetings and more.

39

Gold
John Hancock Insurance Agency, Inc.

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Emergency Medical Evacuation/Repatriation Coordination

If sick or injured in a location that does not have the necessary services to care for you, Seven Corners will help arranging an evacuation or repatriation to the nearest medical facility where you can receive medical treatment.

Emergency Medical Reunion Coordination

When Emergency Medical Evacuation or Repatriation is arranged and the attending Physician recommends that a family member travel with you, Seven Corners will provide support to coordinate the transportation of one individual of your choice, from your Home Country, to be at your side while you are hospitalized and then accompany you during your return to your Home Country.

Return of Mortal Remains

A sensitive and valuable service that relieves the stress and confusion for families when transporting mortal remains across a country. Laws and regulations can differ, and Seven Corners will help with all the logistics involved. The member is directly responsible for the expenses incurred for preparation and return of a covered person’s body to his or her home country if he or she dies.

Return of Minor Child

If traveling alone with a Minor Child(ren) and you are hospitalized and unable to take care of the Minor

Child(ren), under age 19 and he or she is left unattended, Seven Corners will coordinate and facilitate the process for the return such dependent unattended minors to the Insured domicile, (including an attendant/escort, if necessary to ensure the safety and welfare of a Minor Child(ren)). All expenses incurred are direct responsibility of the FMCA member.

Vehicle Return

Should the insured, due to a medical condition, is unable to drive his/hers vehicle back to his hers domicile,

Seven Corners will help coordinate the return the vehicle to the insured’s home. Cost are not paid for by Seven Corners, all cost associated with the return are member responsibility.

Pet Return

In case the insured is traveling with his/hers pet and find unable to care for it due to a medical emergency,

Seven Corners will coordinate for the return of the insured’s pet to his/hers domicile. Cost must be borne by the pet’s owner or member, Seven Corners is not responsible for the cost of the service.

Prescription medication and glasses replacement

If you misplaced your medical prescription or damage your eyeglasses or contact lenses while away from home, Seven Corners will arrange to deliver the prescription or glasses (lenses included) to your current location. The cost of shipping and obtaining the prescription and or glasses are the member’s responsibility.

Medical, dental and pharmacy referral and Case Monitoring

Access to our network of medical providers and case monitoring if the member is hospitalized when traveling and away from home, our medical management team monitors the case from initial admission until discharge while maintaining close contact with the member’s attending physician.

Pre-travel destination information

Access to our Travelers Portal Wellabroad that contains updated travel related information, links, country profiles and much more.

Trip delay and missed connection coordination

We are available to assist members to rebook flights in the event of cancellations, missed connections or change of schedules.

Hotel and flight re-bookings

We are able to assist members with any change or cancellation of existing hotel reservations in the event of unexpected change of travel plans.

Luggage delay, lost baggage and stolen or damaged baggage delay coordination

We can assist with the coordination to return any delayed luggage and with efforts to claim for any lost or stolen luggage to the commercial carrier.

Emergency return travel arrangements

In the event a member needs to return home due to an emergency, we are available to assist in making hotel, flights and transportation arrangements to assist the member in returning home.

Lost travel documents retrieval or duplication

Seven Corners can assist in obtaining emergency travel documents and replacements of lost or stolen documents, credit cards, passports or visas.

Legal, embassy or consulate referrals

Access to our Travelers Portal Wellabroad that contains updated travel related embassy information and country related important facts.

Currency conversion assistance

Seven Corners can provide exact exchange rates for all currencies and assist in case of need to purchase foreign currency.

Information on local medical and travel advisories

Access to our Travelers Portal Wellabroad that contains the most current information related to medical advisories, immunizations needs, preventive measures tips, medical facilities capabilities and up to date information on emergency assistance services worldwide.

Interpretation and translation services

Seven Corners can provide emergency translation and interpretation services in all major languages and referrals to interpreter services locally

Urgent message relay

Seven Corners will assist with contacting family in the event of an emergency situation while the member is travelling and relay any messages the member’s request.

Travel delays reports

We are able to maintain you informed any major delay affecting your travel.

Emergency cash advance

We can assist members in obtaining cash advances in local US currency for medical emergencies or other travel needs. Funds are provided by the FMCA member.

Legal referrals/ bond assistance

Seven Corners provides the member with information about general legal services in the area where the member is travelling and bond assistance if needed (expenses covered by the member)

Travel Intelligence Services

In our ever changing global medical, security and business climate, Seven Corners’ Travel Intelligence Services seek to prepare all travelers with the advanced tools for successful travel. All travelers can benefit from the pre-trip preparation which includes medical, political and cultural informational services. The value-added differentiator of Trip Intelligence Services includes many benefits and educational resources for travelers even if medical care or trip management is not needed including:

Text messaging alerts

Includes weather emergencies, security issues, customs alerts, as well as health care or pandemic warnings.

Country Profiles: Access to our Wellabroad travel portal with updated information about any country in the world, political, economic and medical information affecting the members’ travels.

Security Alerts: Seven Corners via text message or email is able to maintain the members informed or any security situation affecting the area where the members is traveling and providing valuable information that will ensure the members safety.

Crisis management: In case of a security situation or natural disaster affecting the area where the member is currently travelling Seven Corners will inform the member of the best and safest way to return home.

Concierge Services

Hotel referrals and reservations

Worldwide hotel search and referrals and assistance in making reservations on behalf of the member, subject to availability.

Gifts arrangements and deliveries

Coordination of finding unique gifts for friend, families and or business associates, including wrapping and delivery.

Special activities recommendations

Worldwide local activities recommendation and reservations made on behalf of the member subject to availability.

Tee time reservation (golf course recommendation)

Assistance with scheduling tee times and making course recommendations subject to availability.

Sport events tickets and reservations

Assistance with obtaining tickets to sporting events, theater, concert and other events, subject to availability.

Rental car or Limousine reservations

Coordination of car or limo arrangements including transportation to and from the airport, hotel, meetings and more.

MedjetAssist
MedjetAssist

40

Annual Membership
MedjetAssist

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

MEDICAL MONITORING/CONSULTATION

As soon as MedjetAssist is notified of a Member’s medical situation, MedjetAssist 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. MedjetAssist 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 MedjetAssist staff.

MEDICAL REFERRALS

Upon request, MedjetAssist representatives will provide contact information for doctors and hospitals in the area in which the Member is traveling. The Member is solely responsible for the selection and payment of the medical care provider. MedjetAssist makes no representations regarding the qualifications or appropriateness of any medical care provider that is the subject of any referral; such determination shall be solely the Member’s responsibility.

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).
LEGAL REFERRALS
Upon request, MedjetAssist representatives will provide 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 services provider. MedjetAssist makes no representations regarding the qualifications or appropriateness of any legal services provider that is the subject of any referral; such determination shall be solely the Member’s responsibility.

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, MedjetAssist will arrange and pay for the preparation and return of the Member’s remains.

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

• 1 death certificate

OTHER TRAVEL-RELATED INFORMATION SERVICES

• Travel, Health & Security Precautions for International Destinations

• Visa, Passport & Immunization Requirements

• Cultural & Weather Information for International Destinations

• Embassy & Consular Referrals

Services Available for Additional Cost:

• Replacement of Lost or Stolen Visas and Passports

• Comprehensive Pre-Travel Medical Consultations

• Travel Security Briefings for Specific Destinations

41

MedjetAssist Extended Stay
MedjetAssist

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

MEDICAL MONITORING/CONSULTATION

As soon as MedjetAssist is notified of a Member’s medical situation, MedjetAssist 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. MedjetAssist 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 the Member is either 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 MedjetAssist staff.

MEDICAL REFERRALS

Upon request, MedjetAssist representatives will provide contact information for doctors and hospitals in the area in which the Member is traveling. The Member is solely responsible for the selection and payment of the medical care provider. MedjetAssist makes no representations regarding the qualifications or appropriateness of any medical care provider that is the subject of any referral; such determination shall be solely the Member’s responsibility.

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).

LEGAL REFERRALS

Upon request, MedjetAssist representatives will provide 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 services provider. MedjetAssist makes no representations regarding the qualifications or appropriateness of any legal services provider that is the subject of any referral; such determination shall be solely the Member’s responsibility.

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, MedjetAssist will arrange and pay for the preparation and return of the Member’s remains.

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.

• 1 death certificate

OTHER TRAVEL RELATED INFORMATION SERVICES

• Travel, Health & Security Precautions for International Destinations

• Visa, Passport & Immunization Requirements

• Cultural & Weather Information for International Destinations

• Embassy & Consular Referrals

Services Available For Additional Cost:

• Replacement of Lost or Stolen Visas and Passports

• Comprehensive Pre-Travel Medical Consultations

• Travel Security Briefings for Specific Destinations

42

MedjetAssist Short Term Plan
MedjetAssist

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

MEDICAL MONITORING/CONSULTATION

As soon as MedjetAssist is notified of a Member’s medical situation, MedjetAssist 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. MedjetAssist 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 the Member is either 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 MedjetAssist staff.

MEDICAL REFERRALS

Upon request, MedjetAssist representatives will provide contact information for doctors and hospitals in the area in which the Member is traveling. The Member is solely responsible for the selection and payment of the medical care provider. MedjetAssist makes no representations regarding the qualifications or appropriateness of any medical care provider that is the subject of any referral; such determination shall be solely the Member’s responsibility.

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).

LEGAL REFERRALS

Upon request, MedjetAssist representatives will provide 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 services provider. MedjetAssist makes no representations regarding the qualifications or appropriateness of any legal services provider that is the subject of any referral; such determination shall be solely the Member’s responsibility.

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, MedjetAssist will arrange and pay for the preparation and return of the Member’s remains.

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.

• 1 death certificate

OTHER TRAVEL RELATED INFORMATION SERVICES

• Travel, Health & Security Precautions for International Destinations

• Visa, Passport & Immunization Requirements

• Cultural & Weather Information for International Destinations

• Embassy & Consular Referrals

Services Available For Additional Cost:

• Replacement of Lost or Stolen Visas and Passports

• Comprehensive Pre-Travel Medical Consultations

• Travel Security Briefings for Specific Destinations

MH Ross Travel Insurance Services
MH Ross Travel Insurance Services

43

Asset Plus
MH Ross Travel Insurance Services

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

One Call Worldwide Travel Services Network

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance.

We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home.

Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the policy.

All medical transportation services must be authorized and arranged by One Call. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the policy limits) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Trip, either locally or by special courier.

Repatriation of Remains – In the event of death while on a Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 Hour Legal Assistance – If while on your Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Nurse Helpline – Registered nurses are available 24-Hours a day before and during your Trip to provide general health information, clinical assessment, and health counseling to give you assistance in making appropriate healthcare decisions.

One Call Travel Solutions 24-Hour Worldwide Travel Services

Message Services – We will transmit emergency messages to family, friends or business associates and let you know that the message has been received.

Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

While we strive to provide help and advice for problems encountered by travelers wherever or whenever they occur, situations may arise beyond our control when immediate resolution is not possible. We will make every reasonable effort to refer You to appropriate medical and legal providers, but neither the Insurer nor One Call Worldwide Travel Services Network may be held responsible for the availability, quality or results of any medical treatment or Your failure to obtain medical treatment.

ACCESS YOUR MEDICAL RECORDS ONLINE

With our exclusive Free Global Xpi Service, you can assure that your important medical records are available to you or any Physician chosen by you, at any time, anywhere in the world, quickly, wherever there is internet access available. Register at www.globalxpi.com or call, toll free:

1-800-379-9887

Use Program Code AR795P

These Services are Provided by: Global Xpi, Inc.

Business Services

• 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

One Call Concierge Services

• Restaurant, shopping, hotel recommendations/ reservations

• Local transport (rental car/limousine, etc.) information and reservations

• Sporting, theatre, night life and event information (sports scores, stock quotes, gift suggestions, etc.), recommendations and ticketing

• Golf course information, referrals, recommendations and tee times

• Tracking and assisting with the return of lost or delayed baggage

The 24-Hour Assistance Services are provided by: One Call Worldwide Travel Services Network, Inc.

CONTACTING ONE CALL’S 24-HOUR SERVICE CENTER

When outside the USA or Canada, call us collect through a local operator (you will first have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number.

Within U.S.A. & Canada 1-800-555-9095

Outside U.S.A. & Canada 1-603-894-4710

YOUR PLAN NUMBER: AR795P

44

Bridge
MH Ross Travel Insurance Services

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

One Call

Worldwide Travel Services Network

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance.

We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home.

Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the policy.

All medical transportation services must be authorized and arranged by One Call. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the policy limits) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Trip, either locally or by special courier.

Repatriation of Remains – In the event of death while on a Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 Hour Legal Assistance – If while on your Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Nurse Helpline – Registered nurses are available 24-Hours a day before and during your Trip to provide general health information, clinical assessment, and health counseling to give you assistance in making appropriate healthcare decisions.

One Call Travel Solutions

24-Hour Worldwide Travel Services

Message Services – We will transmit emergency messages to family, friends or business associates and let you know that the message has been received.

Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

While we strive to provide help and advice for problems encountered by travelers wherever or whenever they occur, situations may arise beyond our control when immediate resolution is not possible. We will make every reasonable effort to refer You to appropriate medical and legal providers, but neither the Insurer nor One Call Worldwide Travel Services Network may be held responsible for the availability, quality or results of any medical treatment or Your failure to obtain medical treatment.

ACCESS YOUR MEDICAL RECORDS ONLINE

With our exclusive Free Global Xpi Service, you can assure that your important medical records are available to you or any Physician chosen by you, at any time, anywhere in the world, quickly, wherever there is internet access available. Register at www.globalxpi.com or call, toll free:

1-800-379-9887 Use Program Code AR795B

These Services are Provided by: Global Xpi, Inc.

Business Services

• 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

One Call Concierge Services

• Restaurant, shopping, hotel recommendations/ reservations

• Local transport (rental car/limousine, etc.) information and reservations

• Sporting, theatre, night life and event information (sports scores, stock quotes, gift suggestions, etc.), recommendations and ticketing

• Golf course information, referrals, recommendations and tee times

• Tracking and assisting with the return of lost or delayed baggage

The 24-Hour Assistance Services are provided by: One Call Worldwide Travel Services Network, Inc.

CONTACTING ONE CALL’S 24-HOUR SERVICE CENTER

When outside the USA or Canada, call us collect through a local operator (you will first have to enter the International Access Code of the country you are calling from).

Within the USA or Canada, use the toll free number. 1-800-555-9095

Within U.S.A. & Canada Outside U.S.A. & Canada 1-603-894-4710

YOUR PLAN NUMBER: AR795B

45

Complete
MH Ross Travel Insurance Services

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

One Call

Worldwide Travel Services Network

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance.

We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home.

Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the policy.

All medical transportation services must be authorized and arranged by One Call. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the policy limits) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Trip, either locally or by special courier.

Repatriation of Remains – In the event of death while on a Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 Hour Legal Assistance – If while on your Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Nurse Helpline – Registered nurses are available 24-Hours a day before and during your Trip to provide general health information, clinical assessment, and health counseling to give you assistance in making appropriate healthcare decisions.

One Call Travel Solutions

24-Hour Worldwide Travel Services

Message Services – We will transmit emergency messages to family, friends or business associates and let you know that the message has been received.

Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

While we strive to provide help and advice for problems encountered by travelers wherever or whenever they occur, situations may arise beyond our control when immediate resolution is not possible. We will make every reasonable effort to refer You to appropriate medical and legal providers, but neither the Insurer nor One Call Worldwide Travel Services Network may be held responsible for the availability, quality or results of any medical treatment or Your failure to obtain medical treatment.

ACCESS YOUR MEDICAL RECORDS ONLINE

With our exclusive Free Global Xpi Service, you can assure that your important medical records are available to you or any Physician chosen by you, at any time, anywhere in the world, quickly, wherever there is internet access available. Register at www.globalxpi.com or call, toll free:

1-800-379-9887 Use Program Code AR795C

These Services are Provided by: Global Xpi, Inc.

Business Services Business Services

• 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

One Call Concierge Services

• Restaurant, shopping, hotel recommendations/ reservations

• Local transport (rental car/limousine, etc.) information and reservations

• Sporting, theatre, night life and event information (sports scores, stock quotes, gift suggestions, etc.), recommendations and ticketing

• Golf course information, referrals, recommendations and tee times

• Tracking and assisting with the return of lost or delayed baggage

The 24-Hour Assistance Services are provided by: One Call Worldwide Travel Services Network, Inc.

CONTACTING ONE CALL’S 24-HOUR SERVICE CENTER

When outside the USA or Canada, call us collect through a local operator (you will first have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number.

Within U.S.A. & Canada 1-800-555-9095

Outside U.S.A. & Canada 1-603-894-4710

YOUR PLAN NUMBER: AR795C

46

Asset
MH Ross Travel Insurance Services

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

One Call

Worldwide Travel Services Network

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance.

We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home.

Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the policy.

All medical transportation services must be authorized and arranged by One Call. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the policy limits) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Trip, either locally or by special courier.

Repatriation of Remains – In the event of death while on a Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 Hour Legal Assistance – If while on your Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Nurse Helpline – Registered nurses are available 24-Hours a day before and during your Trip to provide general health information, clinical assessment, and health counseling to give you assistance in making appropriate healthcare decisions.

One Call Travel Solutions

24-Hour Worldwide Travel Services

Message Services – We will transmit emergency messages to family, friends or business associates and let you know that the message has been received.

Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

While we strive to provide help and advice for problems encountered by travelers wherever or whenever they occur, situations may arise beyond our control when immediate resolution is not possible. We will make every reasonable effort to refer You to appropriate medical and legal providers, but neither the Insurer nor One Call Worldwide Travel Services Network may be held responsible for the availability, quality or results of any medical treatment or Your failure to obtain medical treatment.

Access Your Medical Records Online

With our exclusive Free Global Xpi Service, you can assure that your important medical records are available to you or any Physician chosen by you, at any time, anywhere in the world, quickly, wherever there is internet access available. Register at www.globalxpi.com or call, toll free:

1-800-379-9887 Use Program Code AR795A

These Services are Provided by: Global Xpi, Inc.

Business Services

• 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

One Call Concierge Services

• Restaurant, shopping, hotel recommendations/ reservations

• Local transport (rental car/limousine, etc.) information and reservations

• Sporting, theatre, night life and event information (sports scores, stock quotes, gift suggestions, etc.), recommendations and ticketing

• Golf course information, referrals, recommendations and tee times

• Tracking and assisting with the return of lost or delayed baggage

The 24-Hour Assistance Services are provided by: One Call Worldwide Travel Services Network, Inc.

Contacting One Call’s 24-Hour Service Center

When outside the USA or Canada, call us collect through a local operator (you will first have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number.

Within U.S.A. & Canada 1-800-555-9095

Outside U.S.A. & Canada 1-603-894-4710

YOUR PLAN NUMBER: AR795A

RoamRight
RoamRight

47

Essential
RoamRight

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

MEDICAL ASSISTANCE

Medical Monitoring; Ophthalmic, Physician and Pharmacy Referrals; Deposits, Advances and Guarantees; Dispatch of Medicine, Eye Glasses, Dental Prosthetics.

PRE-TRIP INFORMATION

Required Vaccinations; Health Risks; Travel Restrictions; Weather Conditions (for global destinations worldwide).

CONCIERGE SERVICES

Concierge services are provided by On Call. There is no charge for the services On Call provides. However, 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: City Profiles; Event Ticketing; Flowers and Gift Baskets; Hotel Accommodations; Meet and Greet Services; Pre-trip Assistance; Restaurant Reviews and Reservations; Rental Car Reservations; Airline Reservations.

TRAVEL ASSISTANCE

Translation and Interpreters; Emergency Cash Advance Assistance; Replacement of Lost Traveling Documents Assistance; Emergency Message Forwarding; Lost Luggage Assistance; Legal Referral.

48

Preferred
RoamRight

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

MEDICAL ASSISTANCE

Medical Monitoring; Ophthalmic, Physician and Pharmacy Referrals; Deposits, Advances and Guarantees; Dispatch of Medicine, Eye Glasses, Dental Prosthetics.

PRE-TRIP INFORMATION

Required Vaccinations; Health Risks; Travel Restrictions; Weather Conditions (for global destinations worldwide).

CONCIERGE SERVICES

Concierge services are provided by On Call. There is no charge for the services On Call provides. However, 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: City Profiles; Event Ticketing; Flowers and Gift Baskets; Hotel Accommodations; Meet and Greet Services; Pre-trip Assistance; Restaurant Reviews and Reservations; Rental Car Reservations; Airline Reservations.

TRAVEL ASSISTANCE

Translation and Interpreters; Emergency Cash Advance Assistance; Replacement of Lost Traveling Documents Assistance; Emergency Message Forwarding; Lost Luggage Assistance; Legal Referral.

49

Elite
RoamRight

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

MEDICAL ASSISTANCE

Medical Monitoring; Ophthalmic, Physician and Pharmacy Referrals; Deposits, Advances and Guarantees; Dispatch of Medicine, Eye Glasses, Dental Prosthetics.

PRE-TRIP INFORMATION

Required Vaccinations; Health Risks; Travel Restrictions; Weather Conditions (for global destinations worldwide).

CONCIERGE SERVICES

Concierge services are provided by On Call. There is no charge for the services On Call provides. However, 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: City Profiles; Event Ticketing; Flowers and Gift Baskets; Hotel Accommodations; Meet and Greet Services; Pre-trip Assistance; Restaurant Reviews and Reservations; Rental Car Reservations; Airline Reservations.

TRAVEL ASSISTANCE

Translation and Interpreters; Emergency Cash Advance Assistance; Replacement of Lost Traveling Documents Assistance; Emergency Message Forwarding; Lost Luggage Assistance; Legal Referra

50

Active
RoamRight

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

MEDICAL ASSISTANCE

Medical Monitoring; Ophthalmic, Physician and Pharmacy Referrals; Deposits, Advances and Guarantees; Dispatch of Medicine, Eye Glasses, Dental Prosthetics.

PRE-TRIP INFORMATION

Required Vaccinations; Health Risks; Travel Restrictions; Weather Conditions (for global destinations worldwide).

CONCIERGE SERVICES

Concierge services are provided by On Call. There is no charge for the services On Call provides. However, 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: City Profiles; Event Ticketing; Flowers and Gift Baskets; Hotel Accommodations; Meet and Greet Services; Pre-trip Assistance; Restaurant Reviews and Reservations; Rental Car Reservations; Airline Reservations.

TRAVEL ASSISTANCE

Translation and Interpreters; Emergency Cash Advance Assistance; Replacement of Lost Traveling Documents Assistance; Emergency Message Forwarding; Lost Luggage Assistance; Legal Referral.

51

Adventure
RoamRight

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

MEDICAL ASSISTANCE

Medical Monitoring; Ophthalmic, Physician and Pharmacy Referrals; Deposits, Advances and Guarantees; Dispatch of Medicine, Eye Glasses, Dental Prosthetics.

PRE-TRIP INFORMATION

Required Vaccinations; Health Risks; Travel Restrictions; Weather Conditions (for global destinations worldwide).

CONCIERGE SERVICES

Concierge services are provided by On Call. There is no charge for the services On Call provides. However, 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: City Profiles; Event Ticketing; Flowers and Gift Baskets; Hotel Accommodations; Meet and Greet Services; Pre-trip Assistance; Restaurant Reviews and Reservations; Rental Car Reservations; Airline Reservations.

TRAVEL ASSISTANCE

Translation and Interpreters; Emergency Cash Advance Assistance; Replacement of Lost Traveling Documents Assistance; Emergency Message Forwarding; Lost Luggage Assistance; Legal Referral.

52

Multi-Trip
RoamRight

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

AVAILABILITY OF SERVICES

You are eligible for Pre-Trip Information and Concierge Services at any time after you purchase the travel insurance product from Arch Insurance Company. The other services become available when you actually start your trip and end the earliest of: (1) midnight on the day your travel insurance product expires; (2) when you reach your return destination; or (3) when you complete your trip.

Travel assistance services are provided by On Call International (On Call), an independent organization, and not by Arch Insurance Company. There may be times when circumstances beyond On Call’s control hinder their endeavors to provide travel assistance services and to help you resolve your emergency situation.

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

MEDICAL ASSISTANCE

Medical Monitoring; Ophthalmic, Physician and Pharmacy Referrals; Deposits, Advances and Guarantees; Dispatch of Medicine, Eye Glasses, Dental Prosthetics.

PRE-TRIP INFORMATION

Required Vaccinations; Health Risks; Travel Restrictions; Weather Conditions (for global destinations worldwide).

CONCIERGE SERVICES

Concierge services are provided by On Call. There is no charge for the services On Call provides. However, 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, and any service fees and/or local taxes, if applicable. Services offered include: City Profiles; Event Ticketing; Flowers and Gift Baskets; Hotel Accommodations; Meet and Greet Services; Pre-trip Assistance; Restaurant Reviews and Reservations; Rental Car Reservations; Airline Reservations.

TRAVEL ASSISTANCE

Translation and Interpreters; Emergency Cash Advance Assistance; Replacement of Lost Traveling Documents Assistance; Emergency Message Forwarding; Lost Luggage Assistance; Legal Referral.

53

Multi-Trip Medical excl US
RoamRight

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

TRAVEL ASSISTANCE SERVICES

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

24/7 Worldwide Assistance Services Travel Assistance, Medical Emergency, Concierge Service and Political Evacuation Service
CALL TOLL FREE: (Within the United States and Canada) 866-443-6971
OR CALL COLLECT: 443-279-7335 (From all other locations)

AVAILABILITY OF SERVICES

You are eligible for Information and Concierge Services at any time after You purchase this plan. The Emergency Medical, Travel and Evacuation Assistance becomes available when You actually start Your 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 trip.

MEDICAL ASSISTANCE

Medical Monitoring; Medical, Dental, Ophthalmic, and Pharmacy Referrals; Deposits, Advances and Guarantees; Dispatch of Medicine, Eye Glasses, Dental Prosthetics; Emergency Medical Transportation (Evacuation/Repatriation); Medically Supervised Repatriation; Repatriation of Remains. *any charges for the services rendered will be billed to our credit card at the time of service.

PRE-TRIP INFORMATION

Required Vaccinations; Health Risks; Travel Restrictions; Weather Conditions (for global destinations worldwide).

CONCIERGE SERVICES

Concierge services are provided by RoamRight’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: City Profiles; Event Ticketing; Flowers and Gift Baskets; Hotel Accommodations; Meet and Greet Services; Pre-trip Assistance; Restaurant Reviews and Reservations; Rental Car Reservations; Airline Reservations

TRAVEL ASSISTANCE

Translation and Interpreters; Emergency Cash Advance Assistance; Replacement of Lost Traveling Documents Assistance; Emergency Message Forwarding; Lost Luggage Assistance; Legal Referral; Natural Disaster Evacuation Services. *Any charges for services rendered will be billed to Your credit card at the time of service.

POLITICAL EVACUATION

Political Evacuation is provided by RoamRight’s designated provider. In the event of a political emergency situation due to government or social upheaval while traveling in a foreign country; the Assistance Company will evacuate You to the nearest place of safety and then to Your home. All reasonable expenses incurred for Your transportation to the nearest place of safety, and then to Your home, are covered up to a maximum of $100,000. Arrangements will be by the most appropriate and economical means available and consistent with Your health and safety. If an evacuation is impossible due to hostile conditions, the Assistance Company will use security resources to maintain contact with You until evacuation becomes possible or the emergency is concluded. All arrangements must be arranged and coordinated by the Assistance Company. Services rendered without the coordination and approval of the Assistance Company are not covered.

Travel assistance services are provided by an independent organization and not by Arch Insurance Company or RoamRight. There may be times when circumstances beyond the Assistance Company’s control hinder their endeavors to provide travel assistance services and help You resolve Your emergency situation.

Payment reimbursement to the Assistance Company for non-covered expenses is Your responsibility.

54

Medical excl US
RoamRight

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

TRAVEL ASSISTANCE SERVICES

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

24/7 Worldwide Assistance Services Travel Assistance, Medical Emergency, Concierge Service and Political Evacuation Service
CALL TOLL FREE: (Within the United States and Canada) 866-443-6971
OR CALL COLLECT: 443-279-7335 (From all other locations)

AVAILABILITY OF SERVICES

You are eligible for Information and Concierge Services at any time after You purchase this plan. The Emergency Medical, Travel and Evacuation Assistance becomes available when You actually start Your 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 trip.

MEDICAL ASSISTANCE

Medical Monitoring; Medical, Dental, Ophthalmic, and Pharmacy Referrals; Deposits, Advances and Guarantees; Dispatch of Medicine, Eye Glasses, Dental Prosthetics; Emergency Medical Transportation (Evacuation/Repatriation); Medically Supervised Repatriation; Repatriation of Remains. *Any charges for services rendered will be billed to Your credit card at the time of service.

PRE-TRIP INFORMATION

Required Vaccinations; Health Risks; Travel Restrictions; Weather Conditions (for global destinations worldwide).

CONCIERGE SERVICES

Concierge services are provided by RoamRight’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: City Profiles; Event Ticketing; Flowers and Gift Baskets; Hotel Accommodations; Meet and Greet Services; Pre-trip Assistance; Restaurant Reviews and Reservations; Rental Car Reservations; Airline Reservations

TRAVEL ASSISTANCE

Translation and Interpreters; Emergency Cash Advance Assistance; Replacement of Lost Traveling Documents Assistance; Emergency Message Forwarding; Lost Luggage Assistance; Legal Referral; Natural Disaster Evacuation Services. *Any charges for services rendered will be billed to Your credit card at the time of service.

POLITICAL EVACUATION

Political Evacuation is provided by RoamRight’s designated provider. In the event of a political emergency situation due to government or social upheaval while traveling in a foreign country; the Assistance Company will evacuate You to the nearest place of safety and then to Your home. All reasonable expenses incurred for Your transportation to the nearest place of safety, and then to Your home, are covered up to a maximum of $100,000. Arrangements will be by the most appropriate and economical means available and consistent with Your health and safety. If an evacuation is impossible due to hostile conditions, the Assistance Company will use security resources to maintain contact with You until evacuation becomes possible or the emergency is concluded. All arrangements must be arranged and coordinated by the Assistance Company. Services rendered without the coordination and approval of the Assistance Company are not covered.

Travel assistance services are provided by an independent organization and not by Arch Insurance Company or RoamRight. There may be times when circumstances beyond the Assistance Company’s control hinder their endeavors to provide travel assistance services and help You resolve Your emergency situation.

Payment reimbursement to the Assistance Company for non-covered expenses is Your responsibility.

Seven Corners Inc
Seven Corners Inc

55

RoundTrip
Seven Corners Inc

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

TRAVEL ASSISTANCE

The Travel Assistance feature provides a variety of travel related services. Services offered include: Medical evacuation / repatriation · Repatriation of remains · 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

CALL TOLL FREE: 800-690-6295 (within the United States and Canada)
OR CALL COLLECT: 317-818-2808 (from all other locations)
Travel assistance services are provided by an independent organization and not by Nationwide Mutual Insurance Company or it’s affiliated companies or Seven Corners, Inc.

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.

56

RoundTrip Choice
Seven Corners Inc

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

TRAVEL ASSISTANCE

The Travel Assistance feature provides a variety of travel related services. Services offered include: Medical evacuation / repatriation · Repatriation of remains · 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

CALL TOLL FREE: 800-690-6295 (within the United States and Canada)
OR CALL COLLECT: 317-818-2808 (from all other locations)
Travel assistance services are provided by an independent organization and not by Nationwide Mutual Insurance Company or it’s affiliated companies or Seven Corners, Inc.

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.

57

Liaison Continent excl US
Seven Corners Inc

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Assistance Services

Upon enrollment, You are eligible to use any of the assistance services provided by the Assistance Services Provider. Additional information is contained in the plan summary.

- Open 24 hours/day, 365 days a year
- Multi-lingual personnel
- Physicians / Nurses on staff
- Locate local facilities
- Help with emergency situations

Travel Assistance

To receive assistance worldwide, call Seven Corners Assist at the numbers below and provide them with Your ID Number. Seven Corners Assist must be contacted for Emergency Medical Evacuation, Return of Mortal Remains, Political Evacuation, Emergency Medical Reunion, Natural Disaster Evacuation/Repatriation, and Return of Minor Child(ren).

58

Liaison Majestic excl US
Seven Corners Inc

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Assistance Services

Upon enrollment, You are eligible to use any of the assistance services provided by the Assistance Services Provider. Additional information is contained in the plan summary.

- Open 24 hours/day, 365 days a year
- Multi-lingual personnel
- Physicians / Nurses on staff
- Locate local facilities
- Help with emergency situations

Travel Assistance

To receive assistance worldwide, call Seven Corners Assist at the numbers below and provide them with Your ID Number. Seven Corners Assist must be contacted for Emergency Medical Evacuation, Return of Mortal Remains, Political Evacuation, Emergency Medical Reunion, Natural Disaster Evacuation/Repatriation, and Return of Minor Child(ren).

59

Liaison International excl US
Seven Corners Inc

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

ASSISTANCE SERVICES

(Assistance Services are provided by Seven Corners Assist and is not an insurance benefit offered By Advent, Lloyd’s Syndicate 780)

Upon enrollment, You are eligible to use any of the assistance services provided by the Seven Corners Assist. Additional information is contained in the plan summary.

• Open 24 hours/day, 365 days a year

• Multi-lingual personnel

• Physicians / Nurses on staff

• Locate local facilities

• Help with emergency situations

60

RoundTrip Economy
Seven Corners Inc

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Assist Services

Emergency Medical Evacuation/Repatriation Coordination

If sick or injured in a location that does not have the necessary services to care for you, Seven Corners will help arranging an evacuation or repatriation to the nearest medical facility where you can receive medical treatment.

Emergency Medical Reunion Coordination

When Emergency Medical Evacuation or Repatriation is arranged and the attending Physician recommends that a family member travel with you, Seven Corners will provide support to coordinate the transportation of one individual of your choice, from your Home Country, to be at your side while you are hospitalized and then accompany you during your return to your Home Country.

Return of Mortal Remains

A sensitive and valuable service that relieves the stress and confusion for families when transporting mortal remains across a country. Laws and regulations can differ, and Seven Corners will help with all the logistics involved. The member is directly responsible for the expenses incurred for preparation and return of a covered person’s body to his or her home country if he or she dies.

Return of Minor Child(ren)

If traveling alone with a Minor Child(ren) and you are hospitalized and unable to take care of the Minor Child(ren) under age 19 and he or she is left unattended, Seven Corners will coordinate and facilitate the process for the return of unattended minors to the Insured’s domicile, (including an attendant/escort, if necessary to ensure the safety and welfare of a Minor Child). All expenses incurred are direct responsibility of the Insured member.

Vehicle Return

Should the insured, due to a medical condition, become unable to drive their vehicle back to his/her domicile Seven Corners will help coordinate the return the vehicle to the insured’s home. All cost associated with the return are Insured’s responsibility.

Pet Return

In case the insured is traveling with his/hers pet and find unable to care for it due to a medical emergency, Seven Corners will coordinate for the return of the insured’s pet to his/hers domicile. All cost associated with the return are Insured’s responsibility.

Prescription medication and glasses replacement

If you misplaced your medical prescription or damage your eyeglasses or contact lenses while away from home, Seven Corners will arrange to deliver the prescription or glasses (lenses included) to your current location. The cost of shipping and obtaining the prescription and or glasses are the member’s responsibility.

Medical, Dental, and Pharmacy referral and Case Monitoring

Access to our network of medical providers and case monitoring if the member is hospitalized when traveling and away from home, our medical management team monitors the case from initial admission until discharge while maintaining close contact with the member’s attending physician.

Pre-travel destination information

Access to our traveler’s portal Wellabroad which contains updated travel related information, links, country profiles, and much more.

Trip delay and missed connection coordination

We are available to assist members in rebooking flights due to cancellations, missed connections, or schedule change.

Hotel and flight re-bookings

We are able to assist members with any change or cancellation of existing hotel reservations in the event of unexpected change of travel plans.

Luggage delay, lost baggage and stolen or damaged baggage delay coordination

We can assist with the coordination to return any delayed luggage and with efforts to claim for any lost or stolen luggage to the commercial carrier.

Emergency return travel arrangements

In the event a member needs to return home due to an emergency, we are available to assist in making hotel, flight, and transportation arrangements to assist the member in returning home.

Lost travel document retrieval or duplication

Seven Corners can assist in obtaining emergency travel documents and replacements of lost or stolen documents, credit cards, passports or visas.

Legal, embassy, or consulate referrals

Access to our Travelers Portal Wellabroad that contains updated travel related embassy information and country related important facts.

Currency conversion assistance

Seven Corners can provide exact exchange rates for all currencies and assist in case of need to purchase foreign currency.

Information on local medical and travel advisories

Access to our traveler’s portal Wellabroad which contains the most current information related to medical advisories, immunizations needs, preventive measures, travel tips, medical facility capabilities, and up to date information on emergency assistance services worldwide.

Interpretation and translation services

Seven Corners can provide emergency translation and interpretation services in all major languages and referrals to interpreter services locally

Urgent message relay

Seven Corners will assist with contacting family in the event of an emergency situation while the member is travelling and relay any messages the member’s request.

Travel delays reports

We are able to maintain you informed any major delay affecting your travel.

Emergency cash advance

We can assist members in obtaining cash advances in local US currency for medical emergencies or other travel needs.

Legal referrals/ bond assistance

Seven Corners provides the member with information about general legal services in the area where the member is travelling and bond assistance if needed (expenses covered by the member.)

Text messaging alerts Includes weather emergencies, security issues, customs alerts, as well as health care or pandemic warnings.

Country Profiles: Access to our Wellabroad travel portal with updated information about any country in the world, political, economic and medical information affecting the members’ travels.

Security Alerts: Seven Corners via text message or email is able to maintain the members informed or any security situation affecting the area where the members is traveling and providing valuable information that will ensure the members safety.

Crisis management: In case of a security situation or natural disaster affecting the area where the member is currently travelling Seven Corners will inform the member of the best and safest way to return home.

Hotel referrals and reservations

Worldwide hotel search and referrals and assistance in making reservations on behalf of the member, subject to availability.

Gifts arrangements and deliveries

Coordination of finding unique gifts for friend, families and or business associates, including wrapping and delivery.

Special activities recommendations

Worldwide local activities recommendation and reservations made on behalf of the member subject to availability.

Tee time reservation (golf course recommendation)

Assistance with scheduling tee times and making course recommendations subject to availability.

Sport events tickets and reservations

Assistance with obtaining tickets to sporting events, theater, concert and other events, subject to availability.

Rental car or Limousine reservations

Coordination of car or limo arrangements including transportation to and from the airport, hotel, meetings, and more.

61

RoundTrip Elite
Seven Corners Inc

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Assist Services

Emergency Medical Evacuation/Repatriation Coordination

If sick or injured in a location that does not have the necessary services to care for you, Seven Corners will help arranging an evacuation or repatriation to the nearest medical facility where you can receive medical treatment.

Emergency Medical Reunion Coordination

When Emergency Medical Evacuation or Repatriation is arranged and the attending Physician recommends that a family member travel with you, Seven Corners will provide support to coordinate the transportation of one individual of your choice, from your Home Country, to be at your side while you are hospitalized and then accompany you during your return to your Home Country.

Return of Mortal Remains

A sensitive and valuable service that relieves the stress and confusion for families when transporting mortal remains across a country. Laws and regulations can differ, and Seven Corners will help with all the logistics involved. The member is directly responsible for the expenses incurred for preparation and return of a covered person’s body to his or her home country if he or she dies.

Return of Minor Child(ren)

If traveling alone with a Minor Child(ren) and you are hospitalized and unable to take care of the Minor Child(ren) under age 19 and he or she is left unattended, Seven Corners will coordinate and facilitate the process for the return of unattended minors to the Insured’s domicile, (including an attendant/escort, if necessary to ensure the safety and welfare of a Minor Child). All expenses incurred are direct responsibility of the Insured member.

Vehicle Return

Should the insured, due to a medical condition, become unable to drive their vehicle back to his/her domicile Seven Corners will help coordinate the return the vehicle to the insured’s home. All cost associated with the return are Insured’s responsibility.

Pet Return

In case the insured is traveling with his/hers pet and find unable to care for it due to a medical emergency, Seven Corners will coordinate for the return of the insured’s pet to his/hers domicile. All cost associated with the return are Insured’s responsibility.

Prescription medication and glasses replacement

If you misplaced your medical prescription or damage your eyeglasses or contact lenses while away from home, Seven Corners will arrange to deliver the prescription or glasses (lenses included) to your current location. The cost of shipping and obtaining the prescription and or glasses are the member’s responsibility.

Medical, Dental, and Pharmacy referral and Case Monitoring

Access to our network of medical providers and case monitoring if the member is hospitalized when traveling and away from home, our medical management team monitors the case from initial admission until discharge while maintaining close contact with the member’s attending physician.

Pre-travel destination information

Access to our traveler’s portal Wellabroad which contains updated travel related information, links, country profiles, and much more.

Trip delay and missed connection coordination

We are available to assist members in rebooking flights due to cancellations, missed connections, or schedule change.

Hotel and flight re-bookings

We are able to assist members with any change or cancellation of existing hotel reservations in the event of unexpected change of travel plans.

Luggage delay, lost baggage and stolen or damaged baggage delay coordination

We can assist with the coordination to return any delayed luggage and with efforts to claim for any lost or stolen luggage to the commercial carrier.

Emergency return travel arrangements

In the event a member needs to return home due to an emergency, we are available to assist in making hotel, flight, and transportation arrangements to assist the member in returning home.

Lost travel document retrieval or duplication

Seven Corners can assist in obtaining emergency travel documents and replacements of lost or stolen documents, credit cards, passports or visas.

Legal, embassy, or consulate referrals

Access to our Travelers Portal Wellabroad that contains updated travel related embassy information and country related important facts.

Currency conversion assistance

Seven Corners can provide exact exchange rates for all currencies and assist in case of need to purchase foreign currency.

Information on local medical and travel advisories

Access to our traveler’s portal Wellabroad which contains the most current information related to medical advisories, immunizations needs, preventive measures, travel tips, medical facility capabilities, and up to date information on emergency assistance services worldwide.

Interpretation and translation services

Seven Corners can provide emergency translation and interpretation services in all major languages and referrals to interpreter services locally

Urgent message relay

Seven Corners will assist with contacting family in the event of an emergency situation while the member is travelling and relay any messages the member’s request.

Travel delays reports

We are able to maintain you informed any major delay affecting your travel.

Emergency cash advance

We can assist members in obtaining cash advances in local US currency for medical emergencies or other travel needs.

Legal referrals/ bond assistance

Seven Corners provides the member with information about general legal services in the area where the member is travelling and bond assistance if needed (expenses covered by the member.)

Text messaging alerts Includes weather emergencies, security issues, customs alerts, as well as health care or pandemic warnings.

Country Profiles: Access to our Wellabroad travel portal with updated information about any country in the world, political, economic and medical information affecting the members’ travels.

Security Alerts: Seven Corners via text message or email is able to maintain the members informed or any security situation affecting the area where the members is traveling and providing valuable information that will ensure the members safety.

Crisis management: In case of a security situation or natural disaster affecting the area where the member is currently travelling Seven Corners will inform the member of the best and safest way to return home.

Hotel referrals and reservations

Worldwide hotel search and referrals and assistance in making reservations on behalf of the member, subject to availability.

Gifts arrangements and deliveries

Coordination of finding unique gifts for friend, families and or business associates, including wrapping and delivery.

Special activities recommendations

Worldwide local activities recommendation and reservations made on behalf of the member subject to availability.

Tee time reservation (golf course recommendation)

Assistance with scheduling tee times and making course recommendations subject to availability.

Sport events tickets and reservations

Assistance with obtaining tickets to sporting events, theater, concert and other events, subject to availability.

Rental car or Limousine reservations

Coordination of car or limo arrangements including transportation to and from the airport, hotel, meetings, and more.

Tin Leg
Tin Leg

62

Luxury
Tin Leg

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Assist Services

Emergency Medical Evacuation/Repatriation Coordination

If sick or injured in a location that does not have the necessary services to care for you, Seven Corners will help arranging an evacuation or repatriation to the nearest medical facility where you can receive medical treatment.

Emergency Medical Reunion Coordination

When Emergency Medical Evacuation or Repatriation is arranged and the attending Physician recommends that a family member travel with you, Seven Corners will provide support to coordinate the transportation of one individual of your choice, from your Home Country, to be at your side while you are hospitalized and then accompany you during your return to your Home Country.

Return of Mortal Remains

A sensitive and valuable service that relieves the stress and confusion for families when transporting mortal remains across a country. Laws and regulations can differ, and Seven Corners will help with all the logistics involved. The member is directly responsible for the expenses incurred for preparation and return of a covered person’s body to his or her home country if he or she dies.

Return of Minor Child(ren)

If traveling alone with a Minor Child(ren) and you are hospitalized and unable to take care of the Minor Child(ren) under age 19 and he or she is left unattended, Seven Corners will coordinate and facilitate the process for the return of unattended minors to the Insured’s domicile, (including an attendant/escort, if necessary to ensure the safety and welfare of a Minor Child). All expenses incurred are direct responsibility of the Insured member.

Vehicle Return

Should the insured, due to a medical condition, become unable to drive their vehicle back to his/her domicile Seven Corners will help coordinate the return the vehicle to the insured’s home. All cost associated with the return are Insured’s responsibility.

Pet Return

In case the insured is traveling with his/hers pet and find unable to care for it due to a medical emergency, Seven Corners will coordinate for the return of the insured’s pet to his/hers domicile. All cost associated with the return are Insured’s responsibility.

Prescription medication and glasses replacement

If you misplaced your medical prescription or damage your eyeglasses or contact lenses while away from home, Seven Corners will arrange to deliver the prescription or glasses (lenses included) to your current location. The cost of shipping and obtaining the prescription and or glasses are the member’s responsibility.

Medical, Dental, and Pharmacy referral and Case Monitoring

Access to our network of medical providers and case monitoring if the member is hospitalized when traveling and away from home, our medical management team monitors the case from initial admission until discharge while maintaining close contact with the member’s attending physician.

Pre-travel destination information

Access to our traveler’s portal Wellabroad which contains updated travel related information, links, country profiles, and much more.

Trip delay and missed connection coordination

We are available to assist members in rebooking flights due to cancellations, missed connections, or schedule change.

Hotel and flight re-bookings

We are able to assist members with any change or cancellation of existing hotel reservations in the event of unexpected change of travel plans.

Luggage delay, lost baggage and stolen or damaged baggage delay coordination

We can assist with the coordination to return any delayed luggage and with efforts to claim for any lost or stolen luggage to the commercial carrier.

Emergency return travel arrangements

In the event a member needs to return home due to an emergency, we are available to assist in making hotel, flight, and transportation arrangements to assist the member in returning home.

Lost travel document retrieval or duplication

Seven Corners can assist in obtaining emergency travel documents and replacements of lost or stolen documents, credit cards, passports or visas.

Legal, embassy, or consulate referrals

Access to our Travelers Portal Wellabroad that contains updated travel related embassy information and country related important facts.

Currency conversion assistance

Seven Corners can provide exact exchange rates for all currencies and assist in case of need to purchase foreign currency.

Information on local medical and travel advisories

Access to our traveler’s portal Wellabroad which contains the most current information related to medical advisories, immunizations needs, preventive measures, travel tips, medical facility capabilities, and up to date information on emergency assistance services worldwide.

Interpretation and translation services

Seven Corners can provide emergency translation and interpretation services in all major languages and referrals to interpreter services locally

Urgent message relay

Seven Corners will assist with contacting family in the event of an emergency situation while the member is travelling and relay any messages the member’s request.

Travel delays reports

We are able to maintain you informed any major delay affecting your travel.

Emergency cash advance

We can assist members in obtaining cash advances in local US currency for medical emergencies or other travel needs.

Legal referrals/ bond assistance

Seven Corners provides the member with information about general legal services in the area where the member is travelling and bond assistance if needed (expenses covered by the member.)

Text messaging alerts Includes weather emergencies, security issues, customs alerts, as well as health care or pandemic warnings.

Country Profiles: Access to our Wellabroad travel portal with updated information about any country in the world, political, economic and medical information affecting the members’ travels.

Security Alerts: Seven Corners via text message or email is able to maintain the members informed or any security situation affecting the area where the members is traveling and providing valuable information that will ensure the members safety.

Crisis management: In case of a security situation or natural disaster affecting the area where the member is currently travelling Seven Corners will inform the member of the best and safest way to return home.

Hotel referrals and reservations

Worldwide hotel search and referrals and assistance in making reservations on behalf of the member, subject to availability.

Gifts arrangements and deliveries

Coordination of finding unique gifts for friend, families and or business associates, including wrapping and delivery.

Special activities recommendations

Worldwide local activities recommendation and reservations made on behalf of the member subject to availability.

Tee time reservation (golf course recommendation)

Assistance with scheduling tee times and making course recommendations subject to availability.

Sport events tickets and reservations

Assistance with obtaining tickets to sporting events, theater, concert and other events, subject to availability.

Rental car or Limousine reservations

Coordination of car or limo arrangements including transportation to and from the airport, hotel, meetings, and more.

Travelex Insurance Services
Travelex Insurance Services

63

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

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

TRAVEL ASSISTANCE & CONCIERGE SERVICES

Provided by Travelex’s designated provider

When outside the USA or Canada, call us collect through a local operator (you will fi rst have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number.
Within U.S.A. & Canada 1-855-892-6495
Outside U.S.A. & Canada 603-328-1373
Your Plan Number: SFP 0911

MEDICAL SERVICES

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact You and Your treating physician to monitor your condition to assure You are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of Your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the Policy. All medical transportation services must be authorized and arranged by On Call International. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the Policy limit) to a hospital or other medical provider, if required, to secure Your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Covered Trip, either locally or by special courier.

Dependent Transportation & Family Visits – When a minor (age 18 or younger) is left unattended on a Covered Trip due to hospitalization or death of the accompanying adult, we will arrange for his or her return home, including escort expenses. If you are traveling alone and hospitalized 7 days or more, we will arrange transportation for a person you choose to visit you.

Repatriation of Remains – In the event of death while on a Covered Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 HOUR TRAVEL ASSISTANCE SERVICES

24 Hour Legal Assistance – If while on your Covered Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Message Services – We will transmit emergency messages to family, friends or business associates. We will advise you if we have difficulty delivering your message and let you know that the message has been received. We will also relay non-emergency e-mail or phone messages on your behalf at any time during your Covered Trip. Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Covered Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

Concierge Services

• restaurant, shopping, hotel recommendations/ reservations
• local transport (rental car, limousine, etc) information and reservations
• sporting, theatre, night life and event information (sports, scores, stock quotes, gift suggestions, etc.), recommendations and ticketing
• golf course information, referrals, recommendations and tee times
• tracking and assisting with the return of lost or delayed baggage

Business Services

• emergency correspondence and business communication assistance
• assistance with locating available business services such as: express/overnight delivery sites, internet cafes, print and 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 fl ight status information
• worldwide business directory service for equipment repair/replacement, warranty service, etc.
• emergency travel arrangements

64

Flight Insure Package Plan Multi-trip
Travelex Insurance Services

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

TRAVEL ASSISTANCE & CONCIERGE SERVICES

Provided by Travelex’s designated provider

When outside the USA or Canada, call us collect through a local operator (you will fi rst have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number.
Within U.S.A. & Canada 1-855-892-6495
Outside U.S.A. & Canada 603-328-1373
Your Plan Number: SFP 0911

MEDICAL SERVICES

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact You and Your treating physician to monitor your condition to assure You are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of Your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the Policy. All medical transportation services must be authorized and arranged by On Call International. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the Policy limit) to a hospital or other medical provider, if required, to secure Your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Covered Trip, either locally or by special courier.

Dependent Transportation & Family Visits – When a minor (age 18 or younger) is left unattended on a Covered Trip due to hospitalization or death of the accompanying adult, we will arrange for his or her return home, including escort expenses. If you are traveling alone and hospitalized 7 days or more, we will arrange transportation for a person you choose to visit you.

Repatriation of Remains – In the event of death while on a Covered Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 HOUR TRAVEL ASSISTANCE SERVICES

24 Hour Legal Assistance – If while on your Covered Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Message Services – We will transmit emergency messages to family, friends or business associates. We will advise you if we have difficulty delivering your message and let you know that the message has been received. We will also relay non-emergency e-mail or phone messages on your behalf at any time during your Covered Trip. Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Covered Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

Concierge Services

• restaurant, shopping, hotel recommendations/ reservations
• local transport (rental car, limousine, etc) information and reservations
• sporting, theatre, night life and event information (sports, scores, stock quotes, gift suggestions, etc.), recommendations and ticketing
• golf course information, referrals, recommendations and tee times
• tracking and assisting with the return of lost or delayed baggage

Business Services

• emergency correspondence and business communication assistance
• assistance with locating available business services such as: express/overnight delivery sites, internet cafes, print and 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 fl ight status information
• worldwide business directory service for equipment repair/replacement, warranty service, etc.
• emergency travel arrangements

65

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

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

TRAVEL ASSISTANCE & CONCIERGE SERVICES

Provided by Travelex’s designated provider

When outside the USA or Canada, call us collect through a local operator (you will fi rst have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number.
Within U.S.A. & Canada 1-855-892-6495
Outside U.S.A. & Canada 603-328-1373
Your Plan Number: SFP 0911

MEDICAL SERVICES

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact You and Your treating physician to monitor your condition to assure You are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of Your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the Policy. All medical transportation services must be authorized and arranged by On Call International. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the Policy limit) to a hospital or other medical provider, if required, to secure Your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Covered Trip, either locally or by special courier.

Dependent Transportation & Family Visits – When a minor (age 18 or younger) is left unattended on a Covered Trip due to hospitalization or death of the accompanying adult, we will arrange for his or her return home, including escort expenses. If you are traveling alone and hospitalized 7 days or more, we will arrange transportation for a person you choose to visit you.

Repatriation of Remains – In the event of death while on a Covered Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 HOUR TRAVEL ASSISTANCE SERVICES

24 Hour Legal Assistance – If while on your Covered Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Message Services – We will transmit emergency messages to family, friends or business associates. We will advise you if we have difficulty delivering your message and let you know that the message has been received. We will also relay non-emergency e-mail or phone messages on your behalf at any time during your Covered Trip. Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Covered Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

Concierge Services

• restaurant, shopping, hotel recommendations/ reservations
• local transport (rental car, limousine, etc) information and reservations
• sporting, theatre, night life and event information (sports, scores, stock quotes, gift suggestions, etc.), recommendations and ticketing
• golf course information, referrals, recommendations and tee times
• tracking and assisting with the return of lost or delayed baggage

Business Services

• emergency correspondence and business communication assistance
• assistance with locating available business services such as: express/overnight delivery sites, internet cafes, print and 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 fl ight status information
• worldwide business directory service for equipment repair/replacement, warranty service, etc.
• emergency travel arrangements

66

Flight Insure Plus - Package Plan
Travelex Insurance Services

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

TRAVEL ASSISTANCE & CONCIERGE SERVICES

Provided by Travelex’s designated provider

When outside the USA or Canada, call us collect through a local operator (you will fi rst have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number.
Within U.S.A. & Canada 1-855-892-6495
Outside U.S.A. & Canada 603-328-1373
Your Plan Number: SFP 0911

MEDICAL SERVICES

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact You and Your treating physician to monitor your condition to assure You are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of Your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the Policy. All medical transportation services must be authorized and arranged by On Call International. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the Policy limit) to a hospital or other medical provider, if required, to secure Your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Covered Trip, either locally or by special courier.

Dependent Transportation & Family Visits – When a minor (age 18 or younger) is left unattended on a Covered Trip due to hospitalization or death of the accompanying adult, we will arrange for his or her return home, including escort expenses. If you are traveling alone and hospitalized 7 days or more, we will arrange transportation for a person you choose to visit you.

Repatriation of Remains – In the event of death while on a Covered Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 HOUR TRAVEL ASSISTANCE SERVICES

24 Hour Legal Assistance – If while on your Covered Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Message Services – We will transmit emergency messages to family, friends or business associates. We will advise you if we have difficulty delivering your message and let you know that the message has been received. We will also relay non-emergency e-mail or phone messages on your behalf at any time during your Covered Trip. Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Covered Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

Concierge Services

• restaurant, shopping, hotel recommendations/ reservations
• local transport (rental car, limousine, etc) information and reservations
• sporting, theatre, night life and event information (sports, scores, stock quotes, gift suggestions, etc.), recommendations and ticketing
• golf course information, referrals, recommendations and tee times
• tracking and assisting with the return of lost or delayed baggage

Business Services

• emergency correspondence and business communication assistance
• assistance with locating available business services such as: express/overnight delivery sites, internet cafes, print and 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 fl ight status information
• worldwide business directory service for equipment repair/replacement, warranty service, etc.
• emergency travel arrangements

67

Travel Basic
Travelex Insurance Services

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

TRAVEL ASSISTANCE & CONCIERGE SERVICES
Provided by On Call International

When outside the USA or Canada, call us collect through a local operator (you will first have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number.

Within U.S.A. & Canada: 1-855-892-6495
Outside U.S.A. & Canada: 603-328-1373
Your Plan Number: TTB-0814

MEDICAL SERVICES

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the Policy. All medical transportation services must be authorized and arranged by Travelex’s designated provider. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the Policy limit) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Covered Trip, either locally or by special courier.

Dependent Transportation & Family Visits – When a minor (age 18 or younger) is left unattended on a Covered Trip due to hospitalization or death of the accompanying adult, we will arrange for his or her return home, including escort expenses. If you are traveling alone and hospitalized 7 days or more, we will arrange transportation for a person you choose to visit you.

Repatriation of Remains – In the event of death while on a Covered Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 HOUR TRAVEL ASSISTANCE SERVICES

24 Hour Legal Assistance – If while on your Covered Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Message Services – We will transmit emergency messages to family, friends or business associates. We will advise you if we have difficulty delivering your message and let you know that the message has been received. We will also relay non-emergency e-mail or phone messages on your behalf at any time during your Covered Trip.

Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Covered Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

Concierge Services

• restaurant, shopping, hotel recommendations/ reservations

• local transport (rental car, limousine, etc) information and reservations

• sporting, theatre, night life and event information (sports, scores, stock quotes, gift suggestions, etc.), recommendations and ticketing

• golf course information, referrals, recommendations and tee times

• tracking and assisting with the return of lost or delayed baggage

Business Services

• emergency correspondence and business communication assistance

• assistance with locating available business services such as: express/overnight delivery sites, Internet cafes, print and copy services

• 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

While the assistance company strives to provide help and advice for unfortunate situations encountered by travelers, immediate resolution may not be possible due to the availability and circumstances beyond their control. The assistance company will make every reasonable effort to refer you to an appropriate medical and legal provider. The Insurer, assistance company nor Travelex may not be held responsible for the availability, quality, quantity or results of any medical treatment or service you may receive or your failure to obtain or receive medical treatment.

68

Travel Max
Travelex Insurance Services

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

TRAVEL ASSISTANCE & CONCIERGE SERVICES

Provided by On Call International

When outside the USA or Canada, call us collect through a local operator (you will first have to enter the International Access Code of the country you are calling from).
Within the USA or Canada, use the toll free number.

Within U.S.A. & Canada: 1-855-892-6495
Outside U.S.A. & Canada: 603-328-1373
Your Plan Number: TTM-0814

MEDICAL SERVICES

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the Policy. All medical transportation services must be authorized and arranged by Travelex’s designated provider. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the Policy limit) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Covered Trip, either locally or by special courier.

Dependent Transportation & Family Visits – When a minor (age 18 or younger) is left unattended on a Covered Trip due to hospitalization or death of the accompanying adult, we will arrange for his or her return home, including escort expenses. If you are traveling alone and hospitalized 7 days or more, we will arrange transportation for a person you choose to visit you.

Repatriation of Remains – In the event of death while on a Covered Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 HOUR TRAVEL ASSISTANCE SERVICES

24 Hour Legal Assistance – If while on your Covered Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Message Services – We will transmit emergency messages to family, friends or business associates. We will advise you if we have difficulty delivering your message and let you know that the message has been received. We will also relay non-emergency e-mail or phone messages on your behalf at any time during your Covered Trip.

Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Covered Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

Concierge Services

• restaurant, shopping, hotel recommendations/ reservations
• local transport (rental car, limousine, etc) information and reservations
• sporting, theatre, night life and event information (sports, scores, stock quotes, gift suggestions, etc.), recommendations and ticketing
• golf course information, referrals, recommendations and tee times
• tracking and assisting with the return of lost or delayed baggage

Business Services

• emergency correspondence and business communication assistance
• assistance with locating available business services such as: express/overnight delivery sites, Internet cafes, print and 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

While the assistance company strives to provide help and advice for unfortunate situations encountered by travelers, immediate resolution may not be possible due to the availability and circumstances beyond their control. The assistance company will make every reasonable effort to refer you to an appropriate medical and legal provider. The Insurer, assistance company nor Travelex may not be held responsible for the availability, quality, quantity or results of any medical treatment or service you may receive or your failure to obtain or receive medical treatment.

69

Travel Select
Travelex Insurance Services

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

TRAVEL ASSISTANCE & CONCIERGE SERVICES

Provided by On Call International When outside the USA or Canada, call us collect through a local operator (you will first have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number.

Within U.S.A. & Canada: 1-855-892-6495
Outside U.S.A. & Canada: 603-328-1373
Your Plan Number: TTS-0814

MEDICAL SERVICES

Medical Assistance – Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring – If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation – When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the Policy. All medical transportation services must be authorized and arranged by Travelex’s designated provider. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments – We will assist you in the advancement of funds or guarantee payments (up to the Policy limit) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance – We will assist you with replacing medications that are lost, stolen or spoiled during your Covered Trip, either locally or by special courier.

Dependent Transportation & Family Visits – When a minor (age 18 or younger) is left unattended on a Covered Trip due to hospitalization or death of the accompanying adult, we will arrange for his or her return home, including escort expenses. If you are traveling alone and hospitalized 7 days or more, we will arrange transportation for a person you choose to visit you.

Repatriation of Remains – In the event of death while on a Covered Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 HOUR TRAVEL ASSISTANCE SERVICES

24 Hour Legal Assistance – If while on your Covered Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Message Services – We will transmit emergency messages to family, friends or business associates. We will advise you if we have difficulty delivering your message and let you know that the message has been received. We will also relay non-emergency e-mail or phone messages on your behalf at any time during your Covered Trip.

Language Interpretation Services – We provide interpretation services in major languages and will refer you to appropriate local services, if needed.

Emergency Cash Transfer – We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.

Pre-Trip Travel Services – We provide 24-Hour information, help and advice for your planned Covered Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

Travel Document and Ticket Replacement – When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

Concierge Services
• restaurant, shopping, hotel recommendations/ reservations
• local transport (rental car, limousine, etc) information and reservations
• sporting, theatre, night life and event information (sports, scores, stock quotes, gift suggestions, etc.), recommendations and ticketing
• golf course information, referrals, recommendations and tee times
• tracking and assisting with the return of lost or delayed baggage

Business Services
• emergency correspondence and business communication assistance
• assistance with locating available business services such as: express/overnight delivery sites, Internet cafes, print and 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

While the assistance company strives to provide help and advice for unfortunate situations encountered by travelers, immediate resolution may not be possible due to the availability and circumstances beyond their control. The assistance company will make every reasonable effort to refer you to an appropriate medical and legal provider. The Insurer, assistance company nor Travelex may not be held responsible for the availability, quality, quantity or results of any medical treatment or service you may receive or your failure to obtain or receive medical treatment.

TravelSafe
TravelSafe

70

Basic
TravelSafe

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Medical Assistance

Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring

If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation

When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the policy. All medical transportation services must be authorized and arranged by One Call. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments

We will assist you in the advancement of funds or guarantee payments (up to the policy limits) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance

We will assist you with replacing medications that are lost, stolen or spoiled during your Trip, either locally or by special courier.

Repatriation of Remains

In the event of death while on a Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 Hour Legal Assistance

If while on your Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Nurse Helpline

Registered nurses are available 24-Hours a day before and during your Trip to provide general health information, clinical assessment, and health counseling to give you assistance in making appropriate healthcare decisions.

71

Classic
TravelSafe

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Medical Assistance

Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring

If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation

When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the policy. All medical transportation services must be authorized and arranged by One Call. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments

We will assist you in the advancement of funds or guarantee payments (up to the policy limits) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance

We will assist you with replacing medications that are lost, stolen or spoiled during your Trip, either locally or by special courier.

Repatriation of Remains

In the event of death while on a Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 Hour Legal Assistance

If while on your Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Nurse Helpline

Registered nurses are available 24-Hours a day before and during your Trip to provide general health information, clinical assessment, and health counseling to give you assistance in making appropriate healthcare decisions.

72

Classic Plus
TravelSafe

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Medical Assistance

Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.

Medical Consultation and Monitoring

If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.

Medical Evacuation

When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the policy. All medical transportation services must be authorized and arranged by One Call. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.

Emergency Medical Payments

We will assist you in the advancement of funds or guarantee payments (up to the policy limits) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.

Prescription Assistance

We will assist you with replacing medications that are lost, stolen or spoiled during your Trip, either locally or by special courier.

Repatriation of Remains

In the event of death while on a Trip, we will arrange for the preparation and transportation required to return your remains to your home.

24 Hour Legal Assistance

If while on your Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.

Nurse Helpline

Registered nurses are available 24-Hours a day before and during your Trip to provide general health information, clinical assessment, and health counseling to give you assistance in making appropriate healthcare decisions.

Trawick International
Trawick International

73

Safe Travels USA
Trawick International

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Emergency Travel Assistance Services

Available 24 hours a day, 365 days a year

Toll free within the United States and Canada: 877-916-7920

Outside the United States and Canada, call direct or collect: 949-716-7941

74

Safe Travels International excl US
Trawick International

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Emergency Travel Assistance Services

Available 24 hours a day, 365 days a year

Toll free within the United States and Canada: 877-916-7920

Outside the United States and Canada, call direct or collect: 949-716-7941

75

Safe Travels USA Trip Protection
Trawick International

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Emergency Travel Assistance Services

Available 24 hours a day, 365 days a year

Toll free within the United States and Canada: 877-916-7920

Outside the United States and Canada, call direct or collect: 949-716-7941

76

Safe Travels International Cost Saver excl US
Trawick International

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Emergency Travel Assistance Services

Available 24 hours a day, 365 days a year

Toll free within the United States and Canada: 877-916-7920

Outside the United States and Canada, call direct or collect: 949-716-7941

77

Safe Travels USA Cost Saver
Trawick International

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

Emergency Travel Assistance Services

Available 24 hours a day, 365 days a year

Toll free within the United States and Canada: 877-916-7920

Outside the United States and Canada, call direct or collect: 949-716-7941

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

78

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

ASSISTANCE SERVICES

Upon enrollment, You are eligible to use any of the assistance services provided by the Assistance Services Provider. Additional information is contained in the plan summary.

• Open 24 hours/day, 365 days a year
• Multi-lingual personnel
• Physicians / Nurses on staff
• Locate local facilities
• Help with emergency situations

Travel Assistance To receive assistance worldwide, call Seven Corners Assist at the numbers below and provide them with Your ID Number.

You are eligible to use any of the assistance services provided. We are open 24 hours/day, 365 days a year, staffed with multilingual personnel. SevenCorners Assist must be contacted for Emergency Medical Evacuation, Return of Mortal Remains, Emergency Medical Reunion, and Return of Minor Child(ren).

SevenCorners Assist In the United States, Canada, and the Caribbean (Toll-free): 1-800-690-6295 or Collect Calls : 0-317-818-2808
Email: assist@sevencorners.com

79

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

ASSISTANCE SERVICES

Upon enrollment, You are eligible to use any of the assistance services provided by the Assistance Services Provider. Additional information is contained in the plan summary.

• Open 24 hours/day, 365 days a year
• Multi-lingual personnel
• Physicians / Nurses on staff
• Locate local facilities
• Help with emergency situations

Travel Assistance To receive assistance worldwide, call Seven Corners Assist at the numbers below and provide them with Your ID Number.

80

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

ASSISTANCE SERVICES

Upon enrollment, You are eligible to use any of the assistance services provided by the Assistance Services Provider. Additional information is contained in the plan summary.

• Open 24 hours/day, 365 days a year
• Multi-lingual personnel
• Physicians / Nurses on staff
• Locate local facilities
• Help with emergency situations

Travel Assistance To receive assistance worldwide, call Seven Corners Assist at the numbers below and provide them with Your ID Number.

You are eligible to use any of the assistance services provided. We are open 24 hours/day, 365 days a year, staffed with multilingual personnel. SevenCorners Assist must be contacted for Emergency Medical Evacuation, Return of Mortal Remains, Emergency Medical Reunion, and Return of Minor Child(ren).

SevenCorners Assist In the United States, Canada, and the Caribbean (Toll-free): 1-800-690-6295 or Collect Calls : 0-317-818-2808
Email: assist@sevencorners.com

81

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

ASSISTANCE SERVICES

Upon enrollment, You are eligible to use any of the assistance services provided by the Assistance Services Provider. Additional information is contained in the plan summary.

• Open 24 hours/day, 365 days a year
• Multi-lingual personnel
• Physicians / Nurses on staff
• Locate local facilities
• Help with emergency situations

Travel Assistance To receive assistance worldwide, call Seven Corners Assist at the numbers below and provide them with Your ID Number.

You are eligible to use any of the assistance services provided. We are open 24 hours/day, 365 days a year, staffed with multilingual personnel. SevenCorners Assist must be contacted for Emergency Medical Evacuation, Return of Mortal Remains, Emergency Medical Reunion, and Return of Minor Child(ren).

SevenCorners Assist In the United States, Canada, and the Caribbean (Toll-free): 1-800-690-6295 or Collect Calls : 0-317-818-2808
Email: assist@sevencorners.com

82

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

ASSISTANCE SERVICES

Upon enrollment, You are eligible to use any of the assistance services provided by the Assistance Services Provider. Additional information is contained in the plan summary.

• Open 24 hours/day, 365 days a year
• Multi-lingual personnel
• Physicians / Nurses on staff
• Locate local facilities
• Help with emergency situations

Travel Assistance To receive assistance worldwide, call Seven Corners Assist at the numbers below and provide them with Your ID Number.

You are eligible to use any of the assistance services provided. We are open 24 hours/day, 365 days a year, staffed with multilingual personnel. SevenCorners Assist must be contacted for Emergency Medical Evacuation, Return of Mortal Remains, Emergency Medical Reunion, and Return of Minor Child(ren).

SevenCorners Assist In the United States, Canada, and the Caribbean (Toll-free): 1-800-690-6295 or Collect Calls : 0-317-818-2808
Email: assist@sevencorners.com

83

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

ASSISTANCE SERVICES

Upon enrollment, You are eligible to use any of the assistance services provided by the Assistance Services Provider. Additional information is contained in the plan summary.

• Open 24 hours/day, 365 days a year
• Multi-lingual personnel
• Physicians / Nurses on staff
• Locate local facilities
• Help with emergency situations

Travel Assistance To receive assistance worldwide, call Seven Corners Assist at the numbers below and provide them with Your ID Number.

You are eligible to use any of the assistance services provided. We are open 24 hours/day, 365 days a year, staffed with multilingual personnel. SevenCorners Assist must be contacted for Emergency Medical Evacuation, Return of Mortal Remains, Emergency Medical Reunion, and Return of Minor Child(ren).

SevenCorners Assist In the United States, Canada, and the Caribbean (Toll-free): 1-800-690-6295 or Collect Calls : 0-317-818-2808
Email: assist@sevencorners.com

84

GlobalTrip Classic
USA-ASSIST Worldwide Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

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

Services offered include:

• Medical evacuation/repatriation

• Repatriation of remains

• Medical or legal referral

• Hospital admission guarantee

• Emergency cash advance*

• Translation service

• Prescription drug*

• Eyeglass replacement*

• Passport / visa information*

• Bailbond*

• Lost Baggage retrieval*

• Inoculation information*

*The Travel Assistance Service will give you guidance and advice on how to work out a problem that may arise during your trip, but will not cover its cost.

85

GlobalTrip Saver
USA-ASSIST Worldwide Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

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

Services offered include:

• Medical evacuation/repatriation

• Repatriation of remains

• Medical or legal referral

• Hospital admission guarantee

• Emergency cash advance*

• Translation service

• Prescription drug*

• Eyeglass replacement*

• Passport / visa information*

• Bailbond*

• Lost Baggage retrieval*

• Inoculation information*

*The Travel Assistance Service will give you guidance and advice on how to work out a problem that may arise during your trip, but will not cover its cost.

86

GlobalTrip Plus
USA-ASSIST Worldwide Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

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

Services offered include:

• Medical evacuation/repatriation

• Repatriation of remains

• Medical or legal referral

• Hospital admission guarantee

• Emergency cash advance*

• Translation service

• Prescription drug*

• Eyeglass replacement*

• Passport / visa information*

• Bailbond*

• Lost Baggage retrieval*

• Inoculation information*

*The Travel Assistance Service will give you guidance and advice on how to work out a problem that may arise during your trip, but will not cover its cost.

87

GlobalTrip High Medical
USA-ASSIST Worldwide Protection

24 Hour Assistance Service Benefits
24 hour assistance provided

Quote

Full Policy Wording

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

Services offered include:

• Medical evacuation/repatriation

• Repatriation of remains

• Medical or legal referral

• Hospital admission guarantee

• Emergency cash advance*

• Translation service

• Prescription drug*

• Eyeglass replacement*

• Passport / visa information*

• Bailbond*

• Lost Baggage retrieval*

• Inoculation information*

*The Travel Assistance Service will give you guidance and advice on how to work out a problem that may arise during your trip, but will not cover its cost.