Flight Only AD&D Full Policy Wording

Each policy’s Flight Only AD&D coverage is detailed below. View the coverage summary here.

Arch RoamRight
Arch RoamRight

1

Essential
Arch RoamRight

Flight Only AD&D Benefits

Optional coverage

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Full Policy Wording

OPTIONAL AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage indicated in the Table of Losses of the Maximum Benefit Amount shown in the Schedule of Benefits, when You sustain an Injury caused by an Accident occurring during Your Trip while riding solely as a passenger in or on, boarding or alighting from, any aircraft operated under a license for the transportation of passengers for hire of a regularly scheduled airline or regularly scheduled charter company that results in a Loss shown in the Table of Losses below. The Loss must occur within one hundred eighty (180) days after the date of the Injury causing the Loss.

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%

“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.

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.

Exposure and Disappearance:

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

If, while on Your Trip, You are in an Accident resulting in the disappearance, sinking or damaging of a covered air or water conveyance on which You are traveling, and if Your body has not been found within 365 days from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered Loss of life.

2

Preferred
Arch RoamRight

Flight Only AD&D Benefits

Optional coverage

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Full Policy Wording

OPTIONAL AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage indicated in the Table of Losses of the Maximum Benefit Amount shown in the Schedule of Benefits, when You sustain an Injury caused by an Accident occurring during Your Trip while riding solely as a passenger in or on, boarding or alighting from any aircraft operated under a license for the transportation of passengers for hire of a regularly scheduled airline or regularly scheduled charter company that results in a Loss shown in the Table of Losses below. The Loss must occur within one hundred eighty (180) days after the date of the Injury causing the Loss.

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%

“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.

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.

Exposure and Disappearance:

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

If, while on Your Trip, You are in an Accident resulting in the disappearance, sinking or damaging of a covered air or water conveyance on which You are traveling, and if Your body has not been found within 365 days from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered Loss of life.

3

Elite
Arch RoamRight

Flight Only AD&D Benefits

$100,000 per person

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Full Policy Wording

AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage indicated in the Table of Losses of the Maximum Benefit Amount shown in the Schedule of Benefits, when You sustain an Injury caused by an Accident occurring during Your Trip while riding solely as a passenger in or on, boarding or alighting from, any aircraft operated under a license for the transportation of passengers for hire of a regularly scheduled airline or regularly scheduled charter company that results in a Loss shown in the Table of Losses below. The Loss must occur within one hundred eighty (180) days after the date of the Injury causing the Loss.

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%

“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.

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.

Exposure and Disappearance:

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

If, while on Your Trip, You are in an Accident resulting in the disappearance, sinking or damaging of a covered air or water conveyance on which You are traveling, and if Your body has not been found within 365 days from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered Loss of life.

AXA Assistance USA
AXA Assistance USA

4

Silver
AXA Assistance USA

Flight Only AD&D Benefits

$25,000 per person

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Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENTCOMMON CARRIER (AIR ONLY)

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 air 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.

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

Gold
AXA Assistance USA

Flight Only AD&D Benefits

$50,000 per person

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Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENTCOMMON CARRIER (AIR ONLY)

The company will pay benefits for Accidental Injuries resulting in a Loss as described in t he Table of Losses, 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 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 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.

6

Platinum
AXA Assistance USA

Flight Only AD&D Benefits

$100,000 per person

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Full Policy Wording

ACCIDENTAL DEATH & DISMEMBERMENTCOMMON CARRIER (AIR ONLY)

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 air 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.

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.

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

7

ExactCare
Berkshire Hathaway Travel Protection

Flight Only AD&D Benefits

$50,000 per person

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Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT Common Carrier Air Only

The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip while riding as a passenger in or boarding or alighting from or struck or run down by a certified passenger aircraft provided by a regularly scheduled airline or charter and operated by a properly certified pilot. The Loss must occur within 365 days of the date of the accident which caused Injury

The Company will pay the percentage shown below of the Maximum Limit shown in the Schedule. The accident must occur while You are on the Trip and are covered under this Policy.

If more than one Loss is sustained by You as a result of the same accident, only one amount, the largest applicable to the Losses incurred, will be paid. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident.

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%

“Loss” with regard to:
a) hand or foot means actual severance through or above the wrist or ankle joints;
b) eye means entire and irrecoverable Loss of sight in that eye.

EXPOSURE

The Company will pay a benefit for covered Losses as specified above which result from You being unavoidably exposed to the elements due to an accidental Injury during the Trip. The Loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE

The Company will pay a benefit for Loss of life as specified above if Your body cannot be located one year after a disappearance due to an accident during the Trip.

8

ExactCare Value
Berkshire Hathaway Travel Protection

Flight Only AD&D Benefits

$25,000 per person

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Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER Air Only

The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip while riding as a passenger in or boarding or alighting from or struck or run down by a certified passenger aircraft provided by a regularly scheduled airline or charter and operated by a properly certified pilot. The Loss must occur within 365 days of the date of the accident which caused Injury.

The Company will pay the percentage shown below of the Maximum Limit shown in the Schedule. The accident must occur while You are on the Trip and are covered under this Policy.

If more than one Loss is sustained by You as a result of the same accident, only one amount, the largest applicable to the Losses incurred, will be paid. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident.

Table of Losses

Loss of % of Maximum Limit

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%

“Loss” with regard to:

a) hand or foot means actual severance through or above the wrist or ankle joints;

b) eye means entire and irrecoverable Loss of sight in that eye.

EXPOSURE

The Company will pay a benefit for covered Losses as specified above which result from You being unavoidably exposed to the elements due to an accidental Injury during the Trip. The Loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE

The Company will pay a benefit for Loss of life as specified above if Your body cannot be located one year after a disappearance due to an accident during the Trip.

Generali Global Assistance
Generali Global Assistance

9

Standard
Generali Global Assistance

Flight Only AD&D Benefits

$50,000 per person
$100,000 policy limit

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Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENTAIR FLIGHT ACCIDENT

We will pay this benefit, up to the amount on the Schedule, if you are injured in an Air Flight Accident, which occurs while you are on a Trip, and covered under the Policy, and you suffer one of the losses listed below within 365 days of the Air Flight Accident. The principal sum is the benefit amount shown in the Schedule.

Life…………………………… . . . . . 100%
Both Hands; Both Feet or Sight of Both Eyes . . . . 100%
One Hand and One Foot . . . . . . . . . . . . . . . . . . . . . 100%
One Hand and Sight of One Eye. . . . . . . . . . . . . . . 100%
One Foot and Sight of One Eye . . . . . . . . . . . . . . . 100%
One Hand; One Foot or Sight of One Eye. . . . . . . . . 50%

If you suffer more than one loss from one Air Flight Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Exposure and Disappearance

If by reason of an Air Flight Accident covered by the Policy, you are unavoidably exposed to the elements and as a result of such exposure suffer a loss for which benefits are otherwise payable; such loss shall be covered hereunder. If you are involved in an Air Flight Accident which results in the sinking or wrecking of a conveyance in which you were riding and your body is not located within one year of such Air Flight Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Air Flight Accident.

Exclusions

We will not pay for loss caused by or resulting from:

1. Sickness of any kind;

2. service in the armed forces of any country.

10

Preferred
Generali Global Assistance

Flight Only AD&D Benefits

$75,000 per person
$150,000 policy limit

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Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENTAIR FLIGHT ACCIDENT

We will pay this benefit, up to the amount on the Schedule, if you are injured in an Air Flight Accident, which occurs while you are on a Trip, and covered under the Policy, and you suffer one of the losses listed below within 365 days of the Air Flight Accident. The principal sum is the benefit amount shown in the Schedule.

Life. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%
Both Hands; Both Feet or Sight of Both Eyes . . . . 100%
One Hand and One Foot . . . . . . . . . . . . . . . . . . . . 100%
One Hand and Sight of One Eye . . . . . . . . . . . . . . 100%
One Foot and Sight of One Eye . . . . . . . . . . . . . . . 100%
One Hand; One Foot or Sight of One Eye. . . . . . . . 50%

If you suffer more than one loss from one Air Flight Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Exposure and Disappearance

If by reason of an Air Flight Accident covered by the Policy, you are unavoidably exposed to the elements and as a result of such exposure suffer a loss for which benefits are otherwise payable; such loss shall be covered hereunder. If you are involved in an Air Flight Accident which results in the sinking or wrecking of a conveyance in which you were riding and your body is not located within one year of such Air Flight Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Air Flight Accident.

Exclusions

We will not pay for loss caused by or resulting from:

1. Sickness of any kind;

2. service in the armed forces of any country.

11

Premium
Generali Global Assistance

Flight Only AD&D Benefits

$100,000 per person
$200,000 policy limit

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Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENTAIR FLIGHT ACCIDENT

We will pay this benefit, up to the amount on the Schedule, if you are injured in an Air Flight Accident, which occurs while you are on a Trip, and covered under the Policy, and you suffer one of the losses listed below within 365 days of the Air Flight Accident. The principal sum is the benefit amount shown in the Schedule.

Life. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%
Both Hands; Both Feet or Sight of Both Eyes . . . . 100%
One Hand and One Foot . . . . . . . . . . . . . . . . . . . . . 100%
One Hand and Sight of One Eye . . . . . . . . . . . . . . . 100%
One Foot and Sight of One Eye . . . . . . . . . . . . . . . 100%
One Hand; One Foot or Sight of One Eye. . . . . . . 50%

If you suffer more than one loss from one Air Flight Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Exposure and Disappearance

If by reason of an Air Flight Accident covered by the Policy, you are unavoidably exposed to the elements and as a result of such exposure suffer a loss for which benefits are otherwise payable; such loss shall be covered hereunder. If you are involved in an Air Flight Accident which results in the sinking or wrecking of a conveyance in which you were riding and your body is not located within one year of such Air Flight Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Air Flight Accident.

Exclusions

We will not pay for loss caused by or resulting from:

1. Sickness of any kind;

2. service in the armed forces of any country.

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

12

Bronze
John Hancock Insurance Agency, Inc.

Flight Only AD&D Benefits

Optional coverage

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ACCIDENTAL DEATH AND DISMEMBERMENT -AIR ONLY

We will pay benefits for Accidental Injuries resulting in a loss as described in the below Table of Losses , 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 Covered Trip. The loss must occur within 365 days after the date of the Accident causing the loss. The Principal Sum is shown on the Schedule of Benefits.

Loss with regard to:

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%

Loss with regard to:

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

b) eye means an entire and irrecoverable loss of sight; and

c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears.

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 for the losses sustained.

EXPOSURE: We will pay benefits for covered losses that result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

13

Silver
John Hancock Insurance Agency, Inc.

Flight Only AD&D Benefits

Optional coverage

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Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT -AIR ONLY

We will pay benefits for Accidental Injuries resulting in a loss as described in the below Table of Losses, 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 Covered Trip. The loss must occur within 365 days after the date of the Accident causing the loss. The Principal Sum is shown on the Schedule of Benefits.

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%

Loss with regard to:

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

b) eye means an entire and irrecoverable loss of sight; and

c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears.

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 for the losses sustained.

EXPOSURE: We will pay benefits for covered losses that result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

14

Gold
John Hancock Insurance Agency, Inc.

Flight Only AD&D Benefits

Optional coverage

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Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT -AIR ONLY

We will pay benefits for Accidental Injuries resulting in a loss as described in the below Table of Losses , 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 Covered Trip. The loss must occur within 365 days after the date of the Accident causing the loss. The Principal Sum is shown on the Schedule of Benefits.

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%

Loss with regard to:

a) hand or foot, means actual complete severance through and

b) eye means an entire and irrecoverable loss of sight; and

c) speech or hearing means entire and irrecoverable loss of speech or hearing of both ears.

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 for the losses sustained.

EXPOSURE: We will pay benefits for covered losses that result if You are unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE: We will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.

Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company

15

Essential
Nationwide Mutual Insurance Company

Flight Only AD&D Benefits

Optional coverage

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FLIGHT ACCIDENT ACCIDENTAL DEATH AND DISMEMBERMENTOPTIONAL UPGRADE

The Insured is eligible for benefits as the result of an accident:

1. Received while a passenger on a regularly scheduled airline flight or regularly scheduled charter operated; in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board; by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline;

2. Received while a passenger on any aircraft, other than a single-engine jet, which at the time is making a flight for the principal purchase of transporting passengers and not for any other operational, tactical or test purpose and which is operated by the Military Airlift Command of the United States, the Royal Canadian Air Force Air Transport Command, or the Royal Air Force Air Transport Command of Great Britain;

3. Received while a passenger on any land or water conveyance provided at the expense of the air carrier as a substitute for an aircraft covered by this policy;

4. Received while a passenger on a vehicle licensed to carry passengers for hire, but only when:

• going to an airport to board an aircraft on which the Insured is covered by his policy; or

• when leaving an airport after alighting from such an aircraft;

5. Received while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which the Insured is covered under this policy.

Benefits will be paid equal to the amount purchased for accidental death or dismemberment when the Insured sustains Injuries resulting in any of the following losses within 180 days from the date of the accident:

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 will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two extremities; b) both eyes; or c) one extremity and one eye is payable only when such loss results from the same accident.

If, while covered by this benefit, the Insured is unavoidably exposed to the elements because of an eligible accident and suffer a loss for which benefits are payable under this benefit, such loss will be payable under this policy. If, while eligible for this benefit, the Insured is in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which the Insured is scheduled under this policy, and the Insured’s 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 the Insured suffered a loss of life as a result of those Injuries.

Flight Accident Option also includes a medical expense feature that pays Eligible Expenses up to $50 for each $1,000 of the chosen benefit amount. If medical expense occurs within 52 weeks of an eligible accident, the Insured will be paid for Eligible Medical Expenses as well as home health care from a licensed home health agency, but only if continued Hospital care would have otherwise been required; attendance of a registered graduate nurse; x-ray examination; or, use of an ambulance. Loss must occur within 100 days of the accident. To receive benefits, loss must be independent of illness or disease and all other causes.

16

Prime
Nationwide Mutual Insurance Company

Flight Only AD&D Benefits

Optional coverage

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FLIGHT ACCIDENT ACCIDENTAL DEATH AND DISMEMBERMENTOPTIONAL UPGRADE

The Insured is eligible for benefits as the result of an accident:

1. Received while a passenger on a regularly scheduled airline flight or regularly scheduled charter operated; in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board; by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline;

2. Received while a passenger on any aircraft, other than a single-engine jet, which at the time is making a flight for the principal purchase of transporting passengers and not for any other operational, tactical or test purpose and which is operated by the Military Airlift Command of the United States, the Royal Canadian Air Force Air Transport Command, or the Royal Air Force Air Transport Command of Great Britain;

3. Received while a passenger on any land or water conveyance provided at the expense of the air carrier as a substitute for an aircraft covered by this policy;

4. Received while a passenger on a vehicle licensed to carry passengers for hire, but only when:

• going to an airport to board an aircraft on which the Insured is covered by his policy; or

• when leaving an airport after alighting from such an aircraft;

5. Received while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which the Insured is covered under this policy.

Benefits will be paid equal to the amount purchased for accidental death or dismemberment when the Insured sustains Injuries resulting in any of the following losses within 180 days from the date of the accident:

Type of Loss Percentage of Principle Sum

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 will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two extremities; b) both eyes; or c) one extremity and one eye is payable only when such loss results from the same accident.

If, while covered by this benefit, the Insured is unavoidably exposed to the elements because of an eligible accident and suffer a loss for which benefits are payable under this benefit, such loss will be payable under this policy. If, while eligible for this benefit, the Insured is in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which the Insured is scheduled under this policy, and the Insured’s 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 the Insured suffered a loss of life as a result of those Injuries.

Flight Accident Option also includes a medical expense feature that pays Eligible Expenses up to $50 for each $1,000 of the chosen benefit amount. If medical expense occurs within 52 weeks of an eligible accident, the Insured will be paid for Eligible Medical Expenses as well as home health care from a licensed home health agency, but only if continued Hospital care would have otherwise been required; attendance of a registered graduate nurse; x-ray examination; or, use of an ambulance. Loss must occur within 100 days of the accident. To receive benefits, loss must be independent of illness or disease and all other causes.

Seven Corners Inc
Seven Corners Inc

17

RoundTrip Choice
Seven Corners Inc

Flight Only AD&D Benefits

Optional coverage

Start a New Search

Full Policy Wording

OPTIONAL AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses when You sustain an Injury:

a) while riding solely as a passenger in an aircraft on regularly scheduled airline flight or regularly scheduled charter flight operated:

i) in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board;

ii) by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or

iii) by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline.

b) while riding as a passenger in any land or water conveyance provided at the expense of the Air Carrier as a substitute for an aircraft covered by this Policy.

c) while riding as a passenger in a vehicle licensed to carry passengers for hire, but only when going to an airport to board an aircraft on which You are covered by this Policy or when leaving an airport after alighting from such an aircraft; or

d) while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which You are covered by this Policy.

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 on the Schedule of Benefits. Benefits will be paid as follows:

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.

The Principal Sum is shown in the Schedule of Benefits.

Flight Only Accidental Death and Dismemberment also includes an Accident Medical Expense Benefit that provides You a maximum of $50 of Accident Medical Expense Benefit Limit for each $1,000 of Your chosen Flight Only Accidental Death and Dismemberment Benefit amount.

Covered Accident Medical Expenses incurred due to Injury only are paid up to the maximum Accident Medical Expense Benefit Limit, for the following eligible expenses: treatment by a Legally Qualified Physician; care or service from a Hospital; services provided by an ambulatory medical-surgical facility; home health care from a licensed home health agency, but only if continued Hospital care would have otherwise been required; attendance of a registered graduate nurse; X-ray examination; or, use of an ambulance.

You must receive initial medical treatment within 30 days of the date of Accident. Eligible Medical Expenses must be incurred within 52 weeks of the date of Accident. This insurance does not cover injuries received while making a parachute jump (unless to save a life).

18

RoundTrip Economy
Seven Corners Inc

Flight Only AD&D Benefits

Optional coverage

Start a New Search

Full Policy Wording

OPTIONAL AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses when You sustain an Injury:

a) while riding solely as a passenger in an aircraft on regularly scheduled airline flight or regularly scheduled charter flight operated:

(i) in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board;

(ii) by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or

(iii) by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline.

b) while riding as a passenger in any land or water conveyance provided at the expense of the Air Carrier as a substitute for an aircraft covered by this Policy;

c) while riding as a passenger in a vehicle licensed to carry passengers for hire, but only when going to an airport to board an aircraft on which You are covered by this Policy or when leaving an airport after alighting from such an aircraft; or

d) while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which You are covered by this Policy.

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 on the Schedule of Benefits.

Benefits will be paid as follows:

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.

The Principal Sum is shown in the Schedule of Benefits.

Flight Only Accidental Death and Dismemberment also includes an Accident Medical Expense Benefit that provides You a maximum of $50 of Accident Medical Expense Benefit Limit for each $1,000 of Your chosen Flight Only Accidental Death and Dismemberment Benefit amount.

Covered Accident Medical Expenses incurred due to Injury only are paid up to the maximum Accident Medical Expense Benefit Limit, for the following eligible expenses: treatment by a Legally Qualified Physician; care or service from a Hospital; services provided by an ambulatory medical-surgical facility; home health care from a licensed home health agency, but only if continued Hospital care would have otherwise been required; attendance of a registered graduate nurse; X-ray examination; or, use of an ambulance.

You must receive initial medical treatment within 30 days of the date of Accident. Eligible Medical Expenses must be incurred within 52 weeks of the date of Accident. This insurance does not cover injuries received while making a parachute jump (unless to save a life).

19

RoundTrip Elite
Seven Corners Inc

Flight Only AD&D Benefits

Optional coverage

Start a New Search

Full Policy Wording

OPTIONAL AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses when You sustain an Injury:

a) while riding solely as a passenger in an aircraft on regularly scheduled airline flight or regularly scheduled charter flight operated:

(i) in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board;

(ii) by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or

(iii) by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline.

b) while riding as a passenger in any land or water conveyance provided at the expense of the Air Carrier as a substitute for an aircraft covered by this Policy.

c) while riding as a passenger in a vehicle licensed to carry passengers for hire, but only when going to an airport to board an aircraft on which You are covered by this Policy or when leaving an airport after alighting from such an aircraft; or

d) while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which You are covered by this Policy.

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 on the Schedule of Benefits.

Benefits will be paid as follows:

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.

The Principal Sum is shown in the Schedule of Benefits.

Flight Only Accidental Death and Dismemberment also includes an Accident Medical Expense Benefit that provides You a maximum of $50 of Accident Medical Expense Benefit Limit for each $1,000 of Your chosen Flight Only Accidental Death and Dismemberment Benefit amount.

Covered Accident Medical Expenses incurred due to Injury only are paid up to the maximum Accident Medical Expense Benefit Limit, for the following eligible expenses: treatment by a Legally Qualified Physician; care or service from a Hospital; services provided by an ambulatory medical-surgical facility; home health care from a licensed home health agency, but only if continued Hospital care would have otherwise been required; attendance of a registered graduate nurse; X-ray examination; or, use of an ambulance.

You must receive initial medical treatment within 30 days of the date of Accident. Eligible Medical Expenses must be incurred within 52 weeks of the date of Accident. This insurance does not cover injuries received while making a parachute jump (unless to save a life).

Tin Leg
Tin Leg

20

Economy
Tin Leg

Flight Only AD&D Benefits

No coverage

Start a New Search

Full Policy Wording

There is no Flight Only AD&D coverage with this plan.

21

Standard
Tin Leg

Flight Only AD&D Benefits

$25,000 if purchased within 15 days of deposit

Start a New Search

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER Air Only

The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip while riding as a passenger in or boarding or alighting from or struck or run down by a certified passenger aircraft provided by a regularly scheduled airline or charter and operated by a properly certified pilot. The Loss must occur within 365 days of the date of the accident which caused Injury

The Company will pay the percentage shown below of the Maximum Limit shown in the Schedule. The accident must occur while You are on the Trip and are covered under this Policy.

If more than one Loss is sustained by You as a result of the same accident, only one amount, the largest applicable to the Losses incurred, will be paid. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident.

Table of Losses

Loss of % of Maximum Limit
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%

“Loss” with regard to:

a) hand or foot means actual severance through or above the wrist or ankle joints;

b) eye means entire and irrecoverable Loss of sight in that eye.

EXPOSURE

The Company will pay a benefit for covered Losses as specified above which result from You being unavoidably exposed to the elements due to an accidental Injury during the Trip. The Loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE

The Company will pay a benefit for Loss of life as specified above if Your body cannot be located one year after a disappearance due to an accident during the Trip.

22

Luxury
Tin Leg

Flight Only AD&D Benefits

$50,000 if purchased within 15 days of deposit

Start a New Search

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER Air Only

The Company will reimburse You for this benefit for one of the Losses shown in the Table of Losses below if You are Injured while on a Trip while riding as a passenger in or boarding or alighting from or struck or run down by a certified passenger aircraft provided by a regularly scheduled airline or charter and operated by a properly certified pilot. The Loss must occur within 365 days of the date of the accident which caused Injury.

The Company will pay the percentage shown below of the Maximum Limit shown in the Schedule. The accident must occur while You are on the Trip and are covered under this Policy.

If more than one Loss is sustained by You as a result of the same accident, only one amount, the largest applicable to the Losses incurred, will be paid. The Company will not pay more than 100% of the Maximum Limit for all Losses due to the same accident.

Table of Losses

Loss of % of Maximum Limit

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%

“Loss” with regard to:

a) hand or foot means actual severance through or above the wrist or ankle joints;

b) eye means entire and irrecoverable Loss of sight in that eye.

EXPOSURE

The Company will pay a benefit for covered Losses as specified above which result from You being unavoidably exposed to the elements due to an accidental Injury during the Trip. The Loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE

The Company will pay a benefit for Loss of life as specified above if Your body cannot be located one year after a disappearance due to an accident during the Trip.

Travel Insured International
Travel Insured International

23

Worldwide Trip Protector Lite
Travel Insured International

Flight Only AD&D Benefits

Optional coverage

Start a New Search

Full Policy Wording

OPTIONAL AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT

Applicable only when specifically requested on the original application and the appropriate additional premium has been paid and purchase confirmed on Your Confirmation of Benefits.

We will pay the percentage of the Principal Sum shown in the Table of Losses when You sustain an Injury:

a) while riding solely as a passenger in an aircraft on regularly scheduled airline flight or regularly scheduled charter flight operated:

(i) in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board;

(ii) by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or

(iii) by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline; or

b) while riding as a passenger in any land or water conveyance provided at the expense of the Air Carrier as a substitute for an aircraft covered by this Policy;

c) while riding as a passenger in a vehicle licensed to carry passengers for hire, but only when going to an airport to board an aircraft on which You are covered by this Policy or when leaving an airport after alighting from such an aircraft; or

d) while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which You are covered by this Policy:

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 on the Confirmation of Benefits.

Benefits will be paid as follows:

Table of Losses

Loss of Life – 100%
Loss of both hands – 100%
Loss of both feet – 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 thumb and index finger of the same hand – 25%
Loss of Speech – 50%
Loss of Hearing Both Ears – 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.

Loss of Speech means the loss of the ability to talk or speak as a result of a Covered Accident. The loss must be certified by a Legally Qualified Physician that the loss of speech is permanent with no reasonable expectation of recovery.

Loss of Hearing means the total and complete loss of the ability to hear any sound as a result of a Covered Accident. The loss must be certified by a Legally Qualified Physician that the loss of hearing is permanent with no reasonable expectation of recovery.

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 Confirmation 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 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.

24

Worldwide Trip Protector Plus
Travel Insured International

Flight Only AD&D Benefits

Optional coverage

Start a New Search

Full Policy Wording

OPTIONAL AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT

Applicable only when specifically requested on the original application and the appropriate additional premium has been paid and purchase confirmed on Your Confirmation of Benefits

We will pay the percentage of the Principal Sum shown in the Table of Losses when You sustain an Injury:

a) while riding solely as a passenger in an aircraft on regularly scheduled airline flight or regularly scheduled charter flight operated:

(i) in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board;

(ii) by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or

(iii) by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline; or

b) while riding as a passenger in any land or water conveyance provided at the expense of the Air Carrier as a substitute for an aircraft covered by this Policy; .

c) while riding as a passenger in a vehicle licensed to carry passengers for hire, but only when going to an airport to board an aircraft on which You are covered by this Policy or when leaving an airport after alighting from such an aircraft; or

d) while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which You are covered by this Policy:

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 on the Confirmation of Benefits.

Benefits will be paid as follows:

Table of Losses

Loss of Life – 100%
Loss of both hands – 100%
Loss of both feet – 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 thumb and index finger of the same hand – 25%
Loss of Speech – 50%
Loss of Hearing Both Ears – 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.

Loss of Speech means the loss of the ability to talk or speak as a result of a Covered Accident. The loss must be certified by a Legally Qualified Physician that the loss of speech is permanent with no reasonable expectation of recovery.

Loss of Hearing means the total and complete loss of the ability to hear any sound as a result of a Covered Accident. The loss must be certified by a Legally Qualified Physician that the loss of hearing is permanent with no reasonable expectation of recovery.

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.

Covered Accident Medical Expenses incurred due to Injury only are paid up to the maximum Accident Medical Expense Benefit Limit, for the following eligible expenses: treatment by a Legally Qualified Physician; care or service from a Hospital; services provided by an ambulatory medical-surgical facility; home health care from a licensed home health agency, but only if continued Hospital care would have otherwise been required; attendance of a registered graduate nurse; X-ray examination; or, use of an ambulance.

The Principal Sum is shown in the Confirmation 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 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.

25

Worldwide Trip Protector
Travel Insured International

Flight Only AD&D Benefits

Optional coverage

Start a New Search

Full Policy Wording

AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT

Applicable only when specifically requested on the original application and the appropriate additional premium has been paid and purchase confirmed on Your Confirmation of Benefits

We will pay the percentage of the Principal Sum shown in the Table of Losses when You sustain an Injury:

a) while riding solely as a passenger in an aircraft on regularly scheduled airline flight or regularly scheduled charter flight operated:

(i) in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board;

(ii) by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or

(iii) by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline; or

b) while riding as a passenger in any land or water conveyance provided at the expense of the Air Carrier as a substitute for an aircraft covered by this Policy; .

c) while riding as a passenger in a vehicle licensed to carry passengers for hire, but only when going to an airport to board an aircraft on which You are covered by this Policy or when leaving an airport after alighting from such an aircraft; or

d) while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which You are covered by this Policy:

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 on the Confirmation of Benefits.

Benefits will be paid as follows:

Table of Losses

Loss of Life – 100%
Loss of both hands – 100%
Loss of both feet – 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 thumb and index finger of the same hand – 25%
Loss of Speech – 50%
Loss of Hearing Both Ears – 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.

Loss of Speech means the loss of the ability to talk or speak as a result of a Covered Accident. The loss must be certified by a Legally Qualified Physician that the loss of speech is permanent with no reasonable expectation of recovery.

Loss of Hearing means the total and complete loss of the ability to hear any sound as a result of a Covered Accident. The loss must be certified by a Legally Qualified Physician that the loss of hearing is permanent with no reasonable expectation of recovery.

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.

Covered Accident Medical Expenses incurred due to Injury only are paid up to the maximum Accident Medical Expense Benefit Limit, for the following eligible expenses: treatment by a Legally Qualified Physician; care or service from a Hospital; services provided by an ambulatory medical-surgical facility; home health care from a licensed home health agency, but only if continued Hospital care would have otherwise been required; attendance of a registered graduate nurse; X-ray examination; or, use of an ambulance.

The Principal Sum is shown in the Confirmation 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 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.

TravelSafe
TravelSafe

26

Basic
TravelSafe

Flight Only AD&D Benefits

Optional coverage

Start a New Search

Full Policy Wording

AIR FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses when You sustain an Injury:

(a) while riding solely as a passenger in an aircraft on a regularly scheduled airline flight or regularly scheduled charter flight operated:

i) in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board;

ii) by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or

iii) by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline; or

(b) while riding as a passenger in any land or water conveyance provided at the expense of the Air Carrier as a substitute for an aircraft covered by this Policy;

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 on the Confirmation of Benefits.

Benefits will be paid as follows:

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.

The Principal Sum is shown in the Confirmation 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 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.

27

Classic
TravelSafe

Flight Only AD&D Benefits

Optional coverage

Start a New Search

Full Policy Wording

AIR FLIGHT ONLY
ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses when You sustain an Injury:

(a) while riding solely as a passenger in an aircraft on a regularly scheduled airline flight or regularly scheduled charter flight operated:

(i) in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board;

(ii) by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted
authority having jurisdiction over civil aviation in the state in which said airline operates; or

(iii) by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline; or

(b) while riding as a passenger in any land or water conveyance provided at the expense of the Air Carrier as a substitute for an aircraft covered by this Policy;
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 on the Confirmation of Benefits.

Benefits will be paid as follows:

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 © one limb and one eye is payable only when such loss results from the same Accident.

The Principal Sum is shown in the Confirmation 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 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.

28

Classic Plus
TravelSafe

Flight Only AD&D Benefits

Optional coverage

Start a New Search

Full Policy Wording

AIR FLIGHT ONLY
ACCIDENTAL DEATH AND DISMEMBERMENT

We will pay the percentage of the Principal Sum shown in the Table of Losses when You sustain an Injury:

(a) while riding solely as a passenger in an aircraft on a regularly scheduled airline flight or regularly scheduled charter flight operated:

i) in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board;

ii) by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or

iii) by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline; or

(b) while riding as a passenger in any land or water conveyance provided at the expense of the Air Carrier as a substitute for an aircraft covered by this Policy;
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 on the Confirmation of Benefits.

Benefits will be paid as follows:

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.

The Principal Sum is shown in the Confirmation 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 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.

Trawick International
Trawick International

29

Safe Travels Single Trip
Trawick International

Flight Only AD&D Benefits

Optional coverage

Start a New Search

Full Policy Wording

FLIGHT ONLY ACCIDENTAL DEATH AND DISMEMBERMENTOPTIONAL UPGRADE

The Insured is eligible for benefits as the result of an accident:

1. Received while a passenger on a regularly scheduled airline flight or regularly scheduled charter operated; in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board; by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline;

2. Received while a passenger on any aircraft, other than a single-engine jet, which at the time is making a flight for the principal purchase of transporting passengers and not for any other operational, tactical or test purpose and which is operated by the Military Airlift Command of the United States, the Royal Canadian Air Force Air Transport Command, or the Royal Air Force Air Transport Command of Great Britain;

3. Received while a passenger on any land or water conveyance provided at the expense of the air carrier as a substitute for an aircraft covered by this policy;

4. Received while a passenger on a vehicle licensed to carry passengers for hire, but only when:
- going to an airport to board an aircraft on which the Insured is covered by his policy; or
- when leaving an airport after alighting from such an aircraft;

5. Received while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which the Insured is covered under this policy.

Benefits will be paid equal to the amount purchased for accidental death or dismemberment when the Insured sustains Injuries resulting in any of the following losses within 180 days from the date of the accident:

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 will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two extremities; b) both eyes; or c) one extremity and one eye is payable only when such loss results from the same accident.

If, while covered by this benefit, the Insured is unavoidably exposed to the elements because of an eligible accident and suffer a loss for which benefits are payable under this benefit, such loss will be payable under this policy. If, while eligible for this benefit, the Insured is in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which the Insured is scheduled under this policy, and the Insured’s 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 the Insured suffered a loss of life as a result of those Injuries.

Flight Accident Option also includes a medical expense feature that pays Eligible Expenses up to $50 for each $1,000 of the chosen benefit amount. If medical expense occurs within 52 weeks of an eligible accident, the Insured will be paid for Eligible Medical Expenses as well as home health care from a licensed home health agency, but only if continued Hospital care would have otherwise been required; attendance of a registered graduate nurse; x-ray examination; or, use of an ambulance. Loss must occur within 181 days of the accident. To receive benefits, loss must be independent of illness or disease and all other causes.

30

Safe Travels First Class
Trawick International

Flight Only AD&D Benefits

Optional coverage

Start a New Search

Full Policy Wording

FLIGHT ACCIDENT ACCIDENTAL DEATH AND DISMEMBERMENTOPTIONAL UPGRADE

The Insured is eligible for benefits as the result of an accident:

1. Received while a passenger on a regularly scheduled airline flight or regularly scheduled charter operated; in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board; by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline;

2. Received while a passenger on any aircraft, other than a single-engine jet, which at the time is making a flight for the principal purchase of transporting passengers and not for any other operational, tactical or test purpose and which is operated by the Military Airlift Command of the United States, the Royal Canadian Air Force Air Transport Command, or the Royal Air Force Air Transport Command of Great Britain;

3. Received while a passenger on any land or water conveyance provided at the expense of the air carrier as a substitute for an aircraft covered by this policy;

4. Received while a passenger on a vehicle licensed to carry passengers for hire, but only when: going to an airport to board an aircraft on which the Insured is covered by his policy; or when leaving an airport after alighting from such an aircraft;

5. Received while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which the Insured is covered under this policy.

Benefits will be paid equal to the amount purchased for accidental death or dismemberment when the Insured sustains Injuries resulting in any of the following losses within 180 days from the date of the accident:

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 will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two extremities; b) both eyes; or c) one extremity and one eye is payable only when such loss results from the same accident.

If, while covered by this benefit, the Insured is unavoidably exposed to the elements because of an eligible accident and suffer a loss for which benefits are payable under this benefit, such loss will be payable under this policy. If, while eligible for this benefit, the Insured is in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which the Insured is scheduled under this policy, and the Insured’s 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 the Insured suffered a loss of life as a result of those Injuries.

Flight Accident Option also includes a medical expense feature that pays Eligible Expenses up to $50 for each $1,000 of the chosen benefit amount. If medical expense occurs within 52 weeks of an eligible accident, the Insured will be paid for Eligible Medical Expenses as well as home health care from a licensed home health agency, but only if continued Hospital care would have otherwise been required; attendance of a registered graduate nurse; x-ray examination; or, use of an ambulance. Loss must occur within 181 days of the accident. To receive benefits, loss must be independent of illness or disease and all other causes.

USA-Assist Worldwide Protection
USA-Assist Worldwide Protection

31

GlobalTrip Classic
USA-Assist Worldwide Protection

Flight Only AD&D Benefits

Optional coverage

Start a New Search

Full Policy Wording

You are eligible for benefits equal to the amount purchased for accidental death, dismemberment or loss of sight as the result of a flight accident while a passenger on:

1. A regularly scheduled airline flight or regularly scheduled charter operated; in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board; by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline;

2. Any aircraft, other than a single-engine jet, which at the time is making a flight for the principal purchase of transporting passengers and not for any other operational, tactical or test purpose and which is operated by the Military Airlift Command of the United States, the Royal Canadian Air Force Air Transport Command, or the Royal Air Force Air Transport Command of Great Britain;

3. Any land or water conveyance provided at the expense of the air carrier as a substitute for an aircraft covered by Your Protection Plan;

4. A vehicle licensed to carry passengers for hire, but only when going to an airport to board an aircraft on which You are eligible for benefits under Your Protection Plan; or when leaving an airport after alighting from such an aircraft;

5. Received while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which You are covered by Your Protection Plan.

When You sustain Injuries resulting in any of the following losses 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 will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two extremities; b) both eyes; or c) one extremity 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 an eligible accident and suffer a loss for which benefits are payable under this benefit, such loss will be payable under Your Protection Plan. If, while eligible for this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are scheduled under Your Protection Plan, 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.

32

GlobalTrip Saver
USA-Assist Worldwide Protection

Flight Only AD&D Benefits

Optional coverage

Start a New Search

Full Policy Wording

You are eligible for benefits equal to the amount purchased for accidental death, dismemberment or loss of sight as the result of a flight accident while a passenger on:

1. A regularly scheduled airline flight or regularly scheduled charter operated; in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board; by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline;

2. Any aircraft, other than a single-engine jet, which at the time is making a flight for the principal purchase of transporting passengers and not for any other operational, tactical or test purpose and which is operated by the Military Airlift Command of the United States, the Royal Canadian Air Force Air Transport Command, or the Royal Air Force Air Transport Command of Great Britain;

3. Any land or water conveyance provided at the expense of the air carrier as a substitute for an aircraft covered by Your Protection Plan;

4. A vehicle licensed to carry passengers for hire, but only when going to an airport to board an aircraft on which You are eligible for benefits under Your Protection Plan; or when leaving an airport after alighting from such an aircraft;

5. Received while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which You are covered by Your Protection Plan.

When You sustain Injuries resulting in any of the following losses 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 will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two extremities; b) both eyes; or c) one extremity 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 an eligible accident and suffer a loss for which benefits are payable under this benefit, such loss will be payable under Your Protection Plan. If, while eligible for this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are scheduled under Your Protection Plan, 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.

33

GlobalTrip Plus
USA-Assist Worldwide Protection

Flight Only AD&D Benefits

Optional coverage

Start a New Search

Full Policy Wording

You are eligible for benefits equal to the amount purchased for accidental death, dismemberment or loss of sight as the result of a flight accident while a passenger on:

1. A regularly scheduled airline flight or regularly scheduled charter operated; in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board; by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline;

2. Any aircraft, other than a single-engine jet, which at the time is making a flight for the principal purchase of transporting passengers and not for any other operational, tactical or test purpose and which is operated by the Military Airlift Command of the United States, the Royal Canadian Air Force Air Transport Command, or the Royal Air Force Air Transport Command of Great Britain;

3. Any land or water conveyance provided at the expense of the air carrier as a substitute for an aircraft covered by Your Protection Plan;

4. A vehicle licensed to carry passengers for hire, but only when going to an airport to board an aircraft on which You are eligible for benefits under Your Protection Plan; or when leaving an airport after alighting from such an aircraft;

5. Received while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which You are covered by Your Protection Plan.

When You sustain Injuries resulting in any of the following losses 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 will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two extremities; b) both eyes; or c) one extremity 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 an eligible accident and suffer a loss for which benefits are payable under this benefit, such loss will be payable under Your Protection Plan. If, while eligible for this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are scheduled under Your Protection Plan, 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.

34

GlobalTrip High Medical
USA-Assist Worldwide Protection

Flight Only AD&D Benefits

Optional coverage

Start a New Search

Full Policy Wording

You are eligible for benefits equal to the amount purchased for accidental death, dismemberment or loss of sight as the result of a flight accident while a passenger on:

1. A regularly scheduled airline flight or regularly scheduled charter operated; in scheduled air transportation pursuant to economic authority issued by the Civil Aeronautics Board; by an intrastate scheduled airline of United States registry maintaining regularly published schedules and licensed for the transportation of passengers by a duly constituted authority having jurisdiction over civil aviation in the state in which said airline operates; or by a scheduled airline of foreign registry maintaining regularly published schedules and licensed for transportation of passengers by the duly constituted governmental authority having jurisdiction over civil aviation in the country of registry of such airline;

2. Any aircraft, other than a single-engine jet, which at the time is making a flight for the principal purchase of transporting passengers and not for any other operational, tactical or test purpose and which is operated by the Military Airlift Command of the United States, the Royal Canadian Air Force Air Transport Command, or the Royal Air Force Air Transport Command of Great Britain;

3. Any land or water conveyance provided at the expense of the air carrier as a substitute for an aircraft covered by Your Protection Plan;

4. A vehicle licensed to carry passengers for hire, but only when going to an airport to board an aircraft on which You are eligible for benefits under Your Protection Plan; or when leaving an airport after alighting from such an aircraft;

5. Received while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which You are covered by Your Protection Plan.

When You sustain Injuries resulting in any of the following losses 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 will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two extremities; b) both eyes; or c) one extremity 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 an eligible accident and suffer a loss for which benefits are payable under this benefit, such loss will be payable under Your Protection Plan. If, while eligible for this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are scheduled under Your Protection Plan, 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.