Amateur Sports Full Policy Wording

Each policy’s Amateur Sports coverage is detailed below. View the coverage summary here.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

1

Beacon America incl US
Azimuth Risk Solutions, LLC

Amateur Sports Benefits
Optional coverage

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Full Policy Wording

SPORTS RIDER

Scheme Administrator: Azimuth Risk Solutions, LLC.
Master Policyholder: The Beacon/Axis Series Group Insurance Trust (Anguilla)

Attaching to and forming part of the Master Policy (#A923355005) in consideration of additional Premium specified in Exhibit (BS-­‐03-­‐ARS-­‐09) attached hereto, SECTION 31 – EXCLUSION, #31.6.4 is deleted in its entirety and replaced with the following:

31.6.4. Injury sustained while taking part in any Professional sport or athletic activities;

For purposes of this Exclusion, the term “Professional” means an activity undertaken for wage, reward, or profit of any kind.

The Maximum Limit per Participating Member, per Coverage Period under this Rider is $10,000 (subject to Deductible and Coinsurance).

The Accidental Death & Dismemberment benefit shall be deleted with respect to Accidents occurring while the Participating Member is engaged in any sport or athletic activity.

All other terms, clauses and conditions remain unchanged.

2

Beacon International excl US
Azimuth Risk Solutions, LLC

Amateur Sports Benefits
Optional coverage

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Full Policy Wording

SPORTS RIDER

Scheme Administrator: Azimuth Risk Solutions, LLC.
Master Policyholder: The Beacon/Axis Series Group Insurance Trust (Anguilla)

Attaching to and forming part of the Master Policy (#A923355005) in consideration of additional Premium specified in Exhibit (BS-­‐03-­‐ARS-­‐09) attached hereto, SECTION 31 – EXCLUSION, #31.6.4 is deleted in its entirety and replaced with the following:

31.6.4. Injury sustained while taking part in any Professional sport or athletic activities;

For purposes of this Exclusion, the term “Professional” means an activity undertaken for wage, reward, or profit of any kind.

The Maximum Limit per Participating Member, per Coverage Period under this Rider is $10,000 (subject to Deductible and Coinsurance).

The Accidental Death & Dismemberment benefit shall be deleted with respect to Accidents occurring while the Participating Member is engaged in any sport or athletic activity.

All other terms, clauses and conditions remain unchanged.

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

3

ExactCare
Berkshire Hathaway Travel Protection

Amateur Sports Benefits
Athletic Coverage

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Full Policy Wording

Participation in amateur sports is not excluded from coverage.

Participation in professional athletic events, motor sport, or motor racing, including training or practice for the same are excluded.

Global Guardian Air Ambulance
Global Guardian Air Ambulance

4

Air Ambulance Card - Standard Annual
Global Guardian Air Ambulance

Amateur Sports Benefits
Athletic Coverage

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Full Policy Wording

Amateur Sports are not excluded in this plan. Injuries sustained while participating in Amateur Sports are covered like any other injury.

5

Air Ambulance Card - Extended Stay 6 Months
Global Guardian Air Ambulance

Amateur Sports Benefits
Athletic Coverage

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Full Policy Wording

Amateur Sports are not excluded in this plan. Injuries sustained while participating in Amateur Sports are covered like any other injury.

6

Air Ambulance Card - Extended Stay 12 Months
Global Guardian Air Ambulance

Amateur Sports Benefits
Athletic Coverage

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Full Policy Wording

Amateur Sports are not excluded in this plan. Injuries sustained while participating in Amateur Sports are covered like any other injury.

MedjetAssist
MedjetAssist

7

Annual Membership
MedjetAssist

Amateur Sports Benefits
Athletic Coverage

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Full Policy Wording

Amateur Sports are not excluded in this plan. Injuries sustained while participating in Amateur Sports are covered like any other injury.

8

MedjetAssist Extended Stay
MedjetAssist

Amateur Sports Benefits
Athletic Coverage

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Full Policy Wording

Amateur Sports are not excluded in this plan. Injuries sustained while participating in Amateur Sports are covered like any other injury.

9

MedjetAssist Short Term Plan
MedjetAssist

Amateur Sports Benefits
Athletic Coverage

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Full Policy Wording

Amateur Sports are not excluded in this plan. Injuries sustained while participating in Amateur Sports are covered like any other injury.

TravelSafe
TravelSafe

10

Basic
TravelSafe

Amateur Sports Benefits
Athletic Coverage

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Full Policy Wording

Amateur Sports are not excluded.

11

Classic
TravelSafe

Amateur Sports Benefits
Athletic Coverage

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Full Policy Wording

Amateur Sports are not excluded.

12

Classic Plus
TravelSafe

Amateur Sports Benefits
Athletic Coverage

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Full Policy Wording

Amateur Sports are not excluded from coverage.

Trawick International
Trawick International

13

Safe Travels USA
Trawick International

Amateur Sports Benefits
Optional coverage

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Full Policy Wording

Athletic Sports Coverage

Coverage for injuries incurred during Amateur, Club, Intramural, Interscholastic, Intercollegiate activities. Professional and Semi Professional Sports are always excluded. Any Athletic Sport not expressly covered hereunder is excluded from this policy unless the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.

Class 1 – includes Archery, Tennis, Swimming, Cross Country, Track, Volleyball and Golf

Class 2 – includes Ballet, Basketball, Cheerleading, Equestrian, Fencing, Field Hockey, Football (no division 1), Gymnastics, Hockey, Karate, Lacrosse, Polo, Rowing, Rugby and Soccer

14

Safe Travels International excl US
Trawick International

Amateur Sports Benefits
Optional coverage

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Full Policy Wording

Athletic Sports Coverage – is for Injuries incurred during Amateur, Club, Intramural, Interscholastic, Intercollegiate activities. Professional and Semi Professional Sports are always excluded.

Class 1 includes Archery, Cheerleading, Tennis, Swimming, Cross Country, Track, Volleyball and Golf

Class 2 includes Ballet, Basketball, Cheerleading, Fencing, Field Hockey, Football (no Division 1), Gymnastics, Hockey, Lacrosse, Karate, Polo, Rowing, Rugby, Running with the Bulls and Soccer

Any Athletic Sport not expressly covered hereunder is excluded from this policy unless the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.

15

Safe Travels International Cost Saver excl US
Trawick International

Amateur Sports Benefits
Optional coverage

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Full Policy Wording

Athletic Sports Coverage

Coverage for injuries incurred during Amateur, Club, Intramural, Interscholastic, Intercollegiate activities. Professional and Semi Professional Sports are always excluded. Any Athletic Sport not expressly covered hereunder is excluded from this policy unless the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.

Class 1 – includes Archery, Tennis, Swimming, Cross Country, Track, Volleyball and Golf

Class 2 – includes Ballet, Basketball,Cheerleading, Equestrian, Fencing, Field Hockey, Football (no division 1), Gymnastics, Hockey, Karate, Lacrosse, Polo, Rowing, Rugby and Soccer

16

Safe Travels USA Cost Saver
Trawick International

Amateur Sports Benefits
Optional coverage

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Full Policy Wording

Athletic Sports -

In consideration of additional premium paid, the following exclusion is deleted:

5. Injury sustained while participating in a professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sport (except as provided by the Policy).

And replaced with:

5. Injury sustained while participating in professional, semi-professional sports and those sports not listed here:

Class 1 includes Tennis, Swimming, Cross Country, Track, Volleyball, Golf

Class 2 includes Archery, Ballet, Cheerleading

Class 3 includes Basketball, Diving, Equestrian, Fencing, Field Hockey, Lacrosse, Karate, Polo

Class 4 includes Football (no division 1), Gymnastics, Hockey, Rowing, Rugby, Soccer

Any Athletic Sport not expressly covered hereunder is excluded from this policy unless the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.

TripAssure
TripAssure

17

Bridge
TripAssure

Amateur Sports Benefits
Optional coverage

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Full Policy Wording

Under the Accident & Sickness Medical Expense Benefit:

Benefits will be paid up to the plan maximum, if You become injured while participating in any of the following sports: bodily contact sports; skydiving; hang gliding; parachuting; mountaineering where ropes or guides are normally used; bungee cord jumping; spelunking or caving.

This optional benefit also provides up to $1,000:

1) If Your Trip is canceled or interrupted due to a covered reason, for the unused non-refundable costs of pre-paid lift tickets, green fees, equipment rentals and lessons; and/or

2) expenses for rental equipment if Your sporting equipment is delayed or misdirected by Your Common Carrier.

Under SECTION 3 – General Limitations And Exclusions, the following exclusion is deleted:

10. participating in bodily contact sports; skydiving; hang gliding; parachuting; mountaineering where ropes or guides are normally used; bungee cord jumping; spelunking or caving;

18

Complete
TripAssure

Amateur Sports Benefits
Optional coverage

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Full Policy Wording

OPTIONAL SPORTS COVERAGE

Sports Coverage

If Your Trip is canceled or interrupted due to a covered Unforeseen reason, coverage is provided for the costs of unused non-refundable deposits and payments that were arranged separately from the vacation for pre-paid lift tickets, green fees, equipment rentals and lessons up to the amount shown in the Schedule of Benefits.
Sports Equipment Rental

If Your sports equipment is lost, stolen, damaged, destroyed or delayed by a Common Carrier for 12 hours or more during Your Trip for the reasons covered by the Baggage and Baggage Delay benefits, We will reimburse You on a one-time basis, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the reasonable costs of renting sports equipment during Your Trip.

A police report is required if Your sports equipment is stolen. Documentation from the Common Carrier is required for proof of damage, delay, or loss by a Common Carrier. Original receipts and list of stolen, damaged or lost sports equipment must be provided along with proof of loss providing amount of loss, date, time and cause of loss, and a repair estimate, if the sports equipment is damaged.
For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss, not to exceed $750 per item for sports equipment.

Hazardous Sports Coverage

Benefits will be paid up to the Maximum Benefit Amount shown in the Schedule of Benefits under the Accident Medical Expense coverage, if You become injured while participating in any of the following sports: mountaineering where ropes or guides are normally used (not to exceed a height of 15,000 feet), skydiving or parachuting, hang gliding, bungee jumping, scuba diving, if PADI or NAUI certified, to depths below 130 feet, and spelunking.