Common Carrier AD&D Full Policy Wording

Each policy’s Common Carrier AD&D 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

Common Carrier AD&D Benefits
$50,000 per adult $30,000 per child

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Full Policy Wording

32.15 Common Carrier Accidental Death — Subject to the Benefits and Limits set forth in the Schedule of Benefits in Section 21. The Scheme Administrator will consider paying if the following provisions are met;

32.15.1 The Participating Member must be in compliance with all conditions and provisions of this coverage; and

32.15.2 The Accident giving rise to the Accidental Death must occur while the Participating Member(s) is a fare-paying passenger on a regularly scheduled trip on board a commercial airline or cruise line.

32.15.3 If the Death occurs on a Common Carrier, the Accidental Death and Dismemberment benefit is null and void, as the Common Carrier benefit takes precedence.

32.15.4 The Scheme Administrator will pay the Principal Sum of $50,000 for Participating Members eighteen (18) years of age and older, or the Principal Sum $30,000 for Participating Members under eighteen (18) years of age. The Maximum Benefit for any one (1) Family is $250,000;

2

Beacon International excl US
Azimuth Risk Solutions, LLC

Common Carrier AD&D Benefits
$50,000 per adult $30,000 per child

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Full Policy Wording

32.15 Common Carrier Accidental Death — Subject to the Benefits and Limits set forth in the Schedule of Benefits in Section 21. The Scheme Administrator will consider paying if the following provisions are met;

32.15.1 The Participating Member must be in compliance with all conditions and provisions of this coverage; and

32.15.2 The Accident giving rise to the Accidental Death must occur while the Participating Member(s) is a fare-paying passenger on a regularly scheduled trip on board a commercial airline or cruise line.

32.15.3 If the Death occurs on a Common Carrier, the Accidental Death and Dismemberment benefit is null and void, as the Common Carrier benefit takes precedence.

32.15.4 The Scheme Administrator will pay the Principal Sum of $50,000 for Participating Members eighteen (18) years of age and older, or the Principal Sum $30,000 for Participating Members under eighteen (18) years of age. The Maximum Benefit for any one (1) Family is $250,000;

HTH Travel Insurance
HTH Travel Insurance

3

TripProtector Preferred
HTH Travel Insurance

Common Carrier AD&D Benefits
$100,000 per person

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Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENTCOMMON CARRIER (AIR ONLY)

The Company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses below, that occurs while You are riding as a passenger in or on, boarding or alighting from, any air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and

2. eye means an entire and irrecoverable Loss of sight;

3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4. thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident of an air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to forced landing, stranding, sinking, or wrecking of an air conveyance operated under a license for the transportation of passengers for hire during the Trip in which You were a passenger.

4

TripProtector Economy
HTH Travel Insurance

Common Carrier AD&D Benefits
$25,000 per person

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Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENTCOMMON CARRIER (AIR ONLY)

The Company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses below, that occurs while You are riding as a passenger in or on, boarding or alighting from, any air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and

2. eye means an entire and irrecoverable Loss of sight;

3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4. thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident of an air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to forced landing, stranding, sinking, or wrecking of an air conveyance operated under a license for the transportation of passengers for hire during the Trip in which You were a passenger.

5

TripProtector Classic
HTH Travel Insurance

Common Carrier AD&D Benefits
$50,000 per person

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Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENTCOMMON CARRIER (AIR ONLY)

The Company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses below, that occurs while You are riding as a passenger in or on, boarding or alighting from, any air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (365) days after the date of the Accident causing the Loss.

The Principal Sum is shown on the Confirmation of Coverage. If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and

2. eye means an entire and irrecoverable Loss of sight;

3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4. thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably exposed to the elements due to an Accident of an air conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to forced landing, stranding, sinking, or wrecking of an air conveyance operated under a license for the transportation of passengers for hire during the Trip in which You were a passenger.

IMG
IMG

6

Patriot America
IMG

Common Carrier AD&D Benefits
$50,000 per person $250,000 policy limit

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Full Policy Wording

P. COMMON CARRIER ACCIDENTAL DEATH BENEFIT – Subject to the Terms of this insurance, and in the event of the Unexpected death of an Insured Person during the Period of Coverage as a result of an Injury that was suffered due to an

Accident during the Period of Coverage while the Insured Person was traveling on a Common Carrier, the Company will pay a Common Carrier Accidental Death benefit up to the amount shown in the Schedule of Benefits/Limits. The Company will pay the benefit owed, upon proper application therefor, in the following order:

(1) to the beneficiary designated in writing by the Insured Person;

(2) to the Insured Person’s closest surviving relative in the following order: a) spouse, b) children, c) issue of deceased
children, d) parent(s), e) siblings, f) issue of deceased siblings, g) grandparents, or h) siblings of parents.

(3) the Insured Person’s estate; or

(4) to a claimant entitled to payment under applicable small estate affidavit laws.

7

Patriot International
IMG

Common Carrier AD&D Benefits
$50,000 per person $250,000 policy limit

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Full Policy Wording

Q. COMMON CARRIER ACCIDENTAL DEATH BENEFIT – Subject to the Terms of this insurance, and in the event of the Unexpected death of an Insured Person during the Period of Coverage as a result of an Injury that was suffered due to an Accident during the Period of Coverage while the Insured Person was traveling on a Common Carrier, the Company will pay a Common Carrier Accidental Death benefit up to the amount shown in the Schedule of Benefits/Limits. The Company will pay the benefit owed, upon proper application therefor, in the following order:

(1) to the beneficiary designated in writing by the Insured Person;

(2) to the Insured Person’s closest surviving relative in the following order: a) spouse, b) children, c) issue of deceased children, d) parent(s), e) siblings, f) issue of deceased siblings, g) grandparents, or h) siblings of parents.

(3) the Insured Person’s estate; or

(4) to a claimant entitled to payment under applicable small estate affidavit laws.

8

Patriot Multi-Trip America
IMG

Common Carrier AD&D Benefits
$50,000 per person $250,000 policy limit

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Full Policy Wording

M. COMMON CARRIER ACCIDENTAL DEATH BENEFIT – Subject to the Terms of this insurance, including the Pre- Existing Conditions exclusion as defined herein, in the event of the Unexpected death of an Insured Person during the Period of Coverage as a result of an Injury that was suffered due to an Accident that occurred during the Period of Coverage and while the Insured Person was traveling on a Common Carrier, the Company will pay to the Insured Person’s estate or to the Insured Person’s designated beneficiary a Common Carrier Accidental Death benefit in the amount of $50,000; provided, however, that such Common Carrier Accidental Death benefits shall not exceed a maximum of $250,000 per Family involved in the same Accident.

9

Patriot Multi-Trip International
IMG

Common Carrier AD&D Benefits
$50,000 per person $250,000 policy limit

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M. COMMON CARRIER ACCIDENTAL DEATH BENEFIT – Subject to the Terms of this insurance, including the Pre- Existing Conditions exclusion as defined herein, in the event of the Unexpected death of an Insured Person during the Period of Coverage as a result of an Injury that was suffered due to an Accident that occurred during the Period of Coverage and while the Insured Person was traveling on a Common Carrier, the Company will pay to the Insured Person’s estate or to the Insured Person’s designated beneficiary a Common Carrier Accidental Death benefit in the amount of $50,000; provided, however, that such Common Carrier Accidental Death benefits shall not exceed a maximum of $250,000 per Family involved in the same Accident.

10

Patriot America Plus
IMG

Common Carrier AD&D Benefits
$50,000 per person $250,000 policy limit

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Full Policy Wording

P. COMMON CARRIER ACCIDENTAL DEATH BENEFIT – Subject to the Terms of this insurance, and in the event of the Unexpected death of an Insured Person during the Period of Coverage as a result of an Injury that was suffered due to an Accident during the Period of Coverage while the Insured Person was traveling on a Common Carrier, the Company will pay a Common Carrier Accidental Death benefit up to the amount shown in the Schedule of Benefits/Limits. The Company will pay the benefit owed, upon proper application therefor, in the following order:

(1) to the beneficiary designated in writing by the Insured Person;

(2) to the Insured Person’s closest surviving relative in the following order: a) spouse, b) children, c) issue of deceased children, d) parent(s), e) siblings, f) issue of deceased siblings, g) grandparents, or h) siblings of parents.

(3) the Insured Person’s estate; or

(4) to a claimant entitled to payment under applicable small estate affidavit laws.

iTravelInsured
iTravelInsured

11

Travel SE
iTravelInsured

Common Carrier AD&D Benefits
$25,000 per person

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Full Policy Wording

Common Carrier Accidental Death and Dismemberment

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You sustain an Injury while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier that results in a loss shown in the Table of Losses below. The loss must occur within one hundred eighty-one (181) days after the date of the Injury causing the loss. The Principal Sum is the Maximum Benefit Amount shown in the Schedule of Benefits Declarations Page.

Loss of Life – 100% of Principal Sum
Loss of both hands – 100% of Principal Sum
Loss of both feet – 100% of Principal Sum
Loss of both eyes – 100% of Principal Sum
Loss of one hand and one foot – 100% of Principal Sum
Loss of one hand and one eye – 100% of Principal Sum
Loss of one foot and one eye – 100% of Principal Sum
Loss of one hand – 50% of Principal Sum
Loss of one foot – 50% of Principal Sum
Loss of one eye – 50% of Principal Sum
Loss of thumb and index finger of the same hand -25% of Principal Sum

Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively.

Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.

Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one Accident. The benefit for loss of: (a) two limbs; (b) both eyes; or © one limb and one eye is payable only when such loss results from the same Accident.
These benefits will not duplicate any benefits payable under the Policy or any coverage(s) attached to the Policy.

The Principal Sum is shown in the Schedule of Benefits.

Exposure and Disappearance

We will pay benefits for covered losses that result from Your being unavoidably exposed to the elements because of a Covered Accident occurring during Your Trip. The loss must occur within 365 days after the event that caused the exposure.

If, while insured under this Coverage, You are in an Accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this Coverage and if Your body has not been found within fifty-two (52) weeks from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered loss of life as a result of those Injuries.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

12

Travel LX
iTravelInsured

Common Carrier AD&D Benefits
$100,000 per person

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Common Carrier Accidental Death and Dismemberment

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You sustain an Injury while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier that results in a loss shown in the Table of Losses below. The loss must occur within one hundred eighty-one (181) days after the date of the Injury causing the loss. The Principal Sum is the Maximum Benefit Amount shown in the Schedule of Benefits Declarations Page.

Loss of Life – 100% of Principal Sum
Loss of both hands – 100% of Principal Sum
Loss of both feet – 100% of Principal Sum
Loss of both eyes – 100% of Principal Sum
Loss of one hand and one foot – 100% of Principal Sum
Loss of one hand and one eye – 100% of Principal Sum
Loss of one foot and one eye – 100% of Principal Sum
Loss of one hand – 50% of Principal Sum
Loss of one foot – 50% of Principal Sum
Loss of one eye – 50% of Principal Sum
Loss of thumb and index finger of the same hand – 25% of Principal Sum

Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively.

Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.

Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one Accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same Accident.
These benefits will not duplicate any benefits payable under the Policy or any coverage(s) attached to the Policy.

The Principal Sum is shown in the Schedule of Benefits.

Exposure and Disappearance

We will pay benefits for covered losses that result from Your being unavoidably exposed to the elements because of a Covered Accident occurring during Your Trip. The loss must occur within 365 days after the event that caused the exposure.

If, while insured under this Coverage, You are in an Accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this Coverage and if Your body has not been found within fifty-two (52) weeks from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered loss of life as a result of those Injuries.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

Seven Corners Inc
Seven Corners Inc

13

RoundTrip Choice
Seven Corners Inc

Common Carrier AD&D Benefits
$10,000 per person

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COMMON CARRIER ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You , as a result of an Injury occurring during Your Trip sustain a loss shown in the Table of Losses below. The loss must occur within one hundred eighty one (181) days after the date of the Injury causing the loss. The Principal Sum is the Maximum Benefit Amount shown in the Schedule of Benefits.

Loss of Life – 100% of Principal Sum
Loss of both hands – 100% of Principal Sum
Loss of both feet – 100% of Principal Sum
Loss of both eyes – 100% of Principal Sum
Loss of one hand and one foot – 100% of Principal Sum
Loss of one hand and one eye – 100% of Principal Sum
Loss of one foot and one eye – 100% of Principal Sum
Loss of one hand – 50% of Principal Sum
Loss of one foot – 50% of Principal Sum
Loss of one eye – 50% of Principal Sum

Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means the total and irrecoverable loss of the entire sight there of.

Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one accident.

The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. The Principal Sum is shown in the Schedule of Benefits.

14

RoundTrip Economy
Seven Corners Inc

Common Carrier AD&D Benefits
$10,000 per person

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COMMON CARRIER ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You sustain an Injury while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier that results in a loss shown in the Table of Losses below. The loss must occur within one hundred eighty one (181) days after the date of the Injury causing the loss. The Principal Sum is the Maximum Benefit Amount shown in the Schedule of Benefits.

Table of Losses

Loss of Life – 100% of Principal Sum
Loss of both hands – 100% of Principal Sum
Loss of both feet – 100% of Principal Sum
Loss of both eyes – 100% of Principal Sum
Loss of one hand and one foot – 100% of Principal Sum
Loss of one hand and one eye – 100% of Principal Sum
Loss of one foot and one eye – 100% of Principal Sum
Loss of one hand – 50% of Principal Sum
Loss of one foot – 50% of Principal Sum
Loss of one eye – 50% of Principal Sum

Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively.

Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.

Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one accident.

The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident.

These benefits will not duplicate any benefits payable under the Policy or any coverage(s) attached to the Policy.

The Principal Sum is shown in the Schedule of Benefits.

15

RoundTrip Elite
Seven Corners Inc

Common Carrier AD&D Benefits
$25,000 per person

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COMMON CARRIER ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses below when You sustain an Injury while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier that results in a loss shown in the Table of Losses below. The loss must occur within one hundred eighty one (181) days after the date of the Injury causing the loss. The Principal Sum is the Maximum Benefit Amount shown in the Schedule of Benefits.

Table of Losses

Type of Loss Benefit Amount

Loss of Life – 100% of Principal Sum
Loss of both hands – 100% of Principal Sum
Loss of both feet – 100% of Principal Sum
Loss of both eyes – 100% of Principal Sum
Loss of one hand and one foot – 100% of Principal Sum
Loss of one hand and one eye – 100% of Principal Sum
Loss of one foot and one eye – 100% of Principal Sum
Loss of one hand – 50% of Principal Sum
Loss of one foot – 50% of Principal Sum
Loss of one eye – 50% of Principal Sum

Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively.

Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.

Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one accident.

The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident.

These benefits will not duplicate any benefits payable under the Policy or any coverage(s) attached to the Policy.

The Principal Sum is shown in the Schedule of Benefits

Tokio Marine HCC Medical Insurance Services
Tokio Marine HCC Medical Insurance Services

16

Atlas International excl US
Tokio Marine HCC Medical Insurance Services

Common Carrier AD&D Benefits
$50,000 per adult $5,000 per child

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ELIGIBLE EXPENSESCOMMON CARRIER ACCIDENTAL DEATH BENEFIT

1. Underwriters will pay the amount indicated in the Schedule of Benefits, to the Beneficiary

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy and the following are met:

a) The Accident giving rise to the Accidental Death must occur while the Member is a fare paying passenger on a regularly scheduled trip on board a commercial airline or cruise line; and

b) Death must occur with 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by Illness or disease; and

c) The maximum liability under this Common Carrier Accidental Death Benefit for a group or family is limited to $250,000.

Trawick International
Trawick International

17

Safe Travels Single Trip
Trawick International

Common Carrier AD&D Benefits
$25,000 per person

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ACCIDENTAL DEATH & DISMEMBERMENTCOMMON CARRIER

The company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses, that occurs while You are riding as a passenger in or on, boarding or alighting from, any Common Carrier conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within 180 days after the date of the Accident causing the Loss. The Principal Sum is shown on the Confirmation of Coverage.

The Maximum Benefits for any one single Accident is limited to $15,000,000 for all persons insured under the Policy. If more than one Loss is sustained, as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regard to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and

2. eye means an entire and irrecoverable Loss of sight;

3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4. thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably
exposed to the elements due to an Accident of an conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to forced landing, stranding, sinking, or wrecking of a conveyance operated under a license for the transportation of passengers for hire during the Trip in which You were a passenger.

18

Safe Travels First Class
Trawick International

Common Carrier AD&D Benefits
$25,000 per person

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Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENTCOMMON CARRIER

The company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses, that occurs while You are riding as a passenger in or on, boarding or alighting from, any Common Carrier conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within 180 days after the date of the Accident causing the Loss. The Principal Sum is shown on the Confirmation of Coverage.

The Maximum Benefits for any one single Accident is limited to $15,000,000 for all persons insured under the Policy. If more than one Loss is sustained, as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%

“Loss” with regards to:

1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and

2. eye means an entire and irrecoverable Loss of sight;

3. speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

4. thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

EXPOSURE

The Company will pay benefits for covered Losses that result from You being unavoidably
exposed to the elements due to an Accident of an conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE

The Company will pay benefits for Loss of life if Your body cannot be located within three hundred sixty-five (365) days after Your disappearance due to forced landing, stranding, sinking, or wrecking of a conveyance operated under a license for the transportation of passengers for hire during the Trip in which You were a passenger.

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

19

GlobalTrip Classic
USA-ASSIST Worldwide Protection

Common Carrier AD&D Benefits
$25,000 per person

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You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on Your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier:

1. Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier;

2. Resulting in any of the losses listed below within 180 days from the date of the accident.

Benefits will be paid for the following types of Loss or Injury in the amounts shown:


Type of Loss Benefit Amount
Loss of Life 100%
Loss of both feet 100%
Loss of both hands 100%
Loss of both eyes 100%
Loss of one hand and one foot 100%
Loss of one hand and one eye 100%
Loss of one foot and one eye 100%
Loss of one hand 50%
Loss of one foot 50%
Loss of one eye 50%


Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof. Only the largest applicable amount shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary that You suffered loss of life as a result of those Injuries.

20

GlobalTrip Saver
USA-ASSIST Worldwide Protection

Common Carrier AD&D Benefits
$25,000 per person

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Full Policy Wording

You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on Your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier:

1. Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier;

2. Resulting in any of the losses listed below within 180 days from the date of the accident.

Benefits will be paid for the following types of Loss or Injury in the amounts shown:


Type of Loss Benefit Amount
Loss of Life 100%
Loss of both feet 100%
Loss of both hands 100%
Loss of both eyes 100%
Loss of one hand and one foot 100%
Loss of one hand and one eye 100%
Loss of one foot and one eye 100%
Loss of one hand 50%
Loss of one foot 50%
Loss of one eye 50%


Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof. Only the largest applicable amount shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary that You suffered loss of life as a result of those Injuries.

21

GlobalTrip Plus
USA-ASSIST Worldwide Protection

Common Carrier AD&D Benefits
$25,000 per person

Start a New Search

Full Policy Wording

You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on Your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier:

1. Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier;

2. Resulting in any of the losses listed below within 180 days from the date of the accident.

Benefits will be paid for the following types of Loss or Injury in the amounts shown:


Type of Loss Benefit Amount
Loss of Life 100%
Loss of both feet 100%
Loss of both hands 100%
Loss of both eyes 100%
Loss of one hand and one foot 100%
Loss of one hand and one eye 100%
Loss of one foot and one eye 100%
Loss of one hand 50%
Loss of one foot 50%
Loss of one eye 50%


Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof. Only the largest applicable amount shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary that You suffered loss of life as a result of those Injuries.

22

GlobalTrip High Medical
USA-ASSIST Worldwide Protection

Common Carrier AD&D Benefits
$25,000 per person

Start a New Search

Full Policy Wording

You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on Your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier:

1. Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier;

2. Resulting in any of the losses listed below within 180 days from the date of the accident.

Benefits will be paid for the following types of Loss or Injury in the amounts shown:


Type of Loss Benefit Amount
Loss of Life 100%
Loss of both feet 100%
Loss of both hands 100%
Loss of both eyes 100%
Loss of one hand and one foot 100%
Loss of one hand and one eye 100%
Loss of one foot and one eye 100%
Loss of one hand 50%
Loss of one foot 50%
Loss of one eye 50%


Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof. Only the largest applicable amount shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary that You suffered loss of life as a result of those Injuries.