The table below shows you at a glance which company provides the most comprehensive coverage for the Flight Only AD&D element within your policy.

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

View full coverage summary for Flight Only AD&D for the policies below

Air Ambulance Card
Air Ambulance Card

1

Air Ambulance Card - Standard Annual
Air Ambulance Card

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

2

Air Ambulance Card - Extended Stay 6 Months
Air Ambulance Card

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

3

Air Ambulance Card - Extended Stay 12 Months
Air Ambulance Card

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

APRIL Travel Protection
APRIL Travel Protection

4

Economy Plan
APRIL Travel Protection

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

5

VIP Plan
APRIL Travel Protection

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

6

Trip Cancellation Plan
APRIL Travel Protection

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

7

Multi-Trip Plan Universal
APRIL Travel Protection

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

8

Multi-Trip Plan Elite
APRIL Travel Protection

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

9

Choice
APRIL Travel Protection

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

AXA Assistance USA
AXA Assistance USA

10

Silver
AXA Assistance USA

Flight Only AD&D Benefits
$25,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENTCOMMON CARRIER (AIR ONLY)

We will pay benefits for Accidental Injuries resulting in a loss as described in the Table of Losses above, 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.

TABLE OF LOSSES

Loss of: Percentage of Principal Sum:
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; or
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.

EXPOSURE: We will pay benefits for covered Losses which 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.

11

Gold
AXA Assistance USA

Flight Only AD&D Benefits
$50,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENTCOMMON CARRIER (AIR ONLY)

We will pay benefits for Accidental Injuries resulting in a loss as described in the Table of Losses above, 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.

TABLE OF LOSSES

Loss of: Percentage of Principal Sum:
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; or

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.

EXPOSURE: We will pay benefits for covered Losses which 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.

12

Platinum
AXA Assistance USA

Flight Only AD&D Benefits
$100,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENTCOMMON CARRIER (AIR ONLY)

We will pay benefits for Accidental Injuries resulting in a loss as described in the Table of Losses above, 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.

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%

“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; or

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.

EXPOSURE: We will pay benefits for covered Losses which 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.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

13

Beacon America incl US
Azimuth Risk Solutions, LLC

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

14

Beacon International excl US
Azimuth Risk Solutions, LLC

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

15

ExactCare
Berkshire Hathaway Travel Protection

Flight Only AD&D Benefits
$50,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT Common Carrier Air Only

The Company will reimburse the Insured for this benefit for one of the Losses shown in the Table of Losses below if the Insured is 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 or Declarations Page. The accident must occur while the Insured is on the Trip and is covered under this Policy.

If more than one Loss is sustained by an Insured 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 an Insured 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 the Insured’s body cannot be located one year after a disappearance due to an accident during the Trip.

CSA Travel Protection
CSA Travel Protection

16

Custom
CSA Travel Protection

Flight Only AD&D Benefits
$50,000 per person $100,000 policy limit

Quote

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.

Loss: Percentage of Principal Sum Payable:
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.

GeoBlue
GeoBlue

17

Voyager Choice
GeoBlue

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

18

Voyager Essential
GeoBlue

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

19

Trekker Choice excl US
GeoBlue

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

20

Trekker Essential excl US
GeoBlue

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

Global Alert
Global Alert

21

Essentials
Global Alert

Flight Only AD&D Benefits
Optional coverage

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

This coverage is Optional and must be shown on Your Confirmation of Benefits.

We will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table below. 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.
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

Loss of – Percentage of Principal Sum

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; or

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

No benefit is payable for loss resulting from or due to stroke, cerebral vascular, or cardiovascular Accident or event; myocardial infarction (heart attack); coronary thrombosis, or aneurysm.

EXPOSURE: We will pay benefits for covered Losses which 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.

22

Preferred
Global Alert

Flight Only AD&D Benefits
Optional coverage

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

This coverage is Optional and must be shown on Your Confirmation of Benefits.

We will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table below. 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.
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

Loss of – Percentage of Principal Sum

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; or

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

No benefit is payable for loss resulting from or due to stroke, cerebral vascular, or cardiovascular Accident or event; myocardial infarction (heart attack); coronary thrombosis, or aneurysm.

EXPOSURE: We will pay benefits for covered Losses which 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.

23

Preferred Plus
Global Alert

Flight Only AD&D Benefits
Optional coverage

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENTCOMMON CARRIER (AIR ONLY)

This coverage is Optional and must be shown on Your Confirmation of Benefits.

We will pay benefits for Accidental Injuries resulting in a loss as described in the Table of Losses above, 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.

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

Loss of – Percentage of Principal Sum

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; or

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

No benefit is payable for loss resulting from or due to stroke, cerebral vascular, or cardiovascular Accident or event; myocardial infarction (heart attack); coronary thrombosis, or aneurysm.

EXPOSURE: We will pay benefits for covered Losses which 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.

HCC Medical Insurance Services
HCC Medical Insurance Services

24

Atlas International excl US
HCC Medical Insurance Services

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

HTH Travel Insurance
HTH Travel Insurance

25

TravelGap Voyager excl US
HTH Travel Insurance

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

26

TripProtector Preferred
HTH Travel Insurance

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

27

TravelGap Multi-Trip Silver excl US
HTH Travel Insurance

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

28

TravelGap Multi-Trip Gold excl US
HTH Travel Insurance

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

29

TravelGap Excursion excl US
HTH Travel Insurance

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

30

TripProtector Economy
HTH Travel Insurance

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

31

TripProtector Classic
HTH Travel Insurance

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

iTravelInsured
iTravelInsured

32

Travel Lite
iTravelInsured

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

33

Travel SE
iTravelInsured

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

34

Travel SE
iTravelInsured

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

35

Travel LX
iTravelInsured

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

36

Travel LX
iTravelInsured

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

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

37

Bronze
John Hancock Insurance Agency, Inc.

Flight Only AD&D Benefits
Optional coverage

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENTCOMMON CARRIER (AIR ONLY)

This coverage is Optional and must be shown on Your Confirmation of Benefits.

We will pay benefits for Accidental Injuries resulting in a loss as described in the Table of Losses above, 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;

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

c) speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

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

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.

38

Silver
John Hancock Insurance Agency, Inc.

Flight Only AD&D Benefits
Optional coverage

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENTCOMMON CARRIER (AIR ONLY)

This coverage is Optional and must be shown on Your Confirmation of Benefits.

We will pay benefits for Accidental Injuries resulting in a loss as described in the Table of Losses above, 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 – 100%
Eye 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;

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

c) speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and

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

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.

39

Gold
John Hancock Insurance Agency, Inc.

Flight Only AD&D Benefits
Optional coverage

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENTCOMMON CARRIER (AIR ONLY)

This coverage is Optional and must be shown on Your Confirmation of Benefits.

We will pay benefits for Accidental Injuries resulting in a loss as described in the Table of Losses above, 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;

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

c) speech or hearing means entire and irrecoverable Loss of speech or hearing of both ears; and
d) thumb and index finger means actual severance through or above the joint that meets the finger at the palm.

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.

MedjetAssist
MedjetAssist

40

Annual Membership
MedjetAssist

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

41

MedjetAssist Extended Stay
MedjetAssist

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

42

MedjetAssist Short Term Plan
MedjetAssist

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

MH Ross Travel Insurance Services
MH Ross Travel Insurance Services

43

Asset Plus
MH Ross Travel Insurance Services

Flight Only AD&D Benefits
Optional coverage

Quote

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 three hundred sixty five (365) 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 180 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 180 days from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered Loss of life.

44

Bridge
MH Ross Travel Insurance Services

Flight Only AD&D Benefits
Optional coverage

Quote

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 three hundred sixty five (365) 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 180 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 180 days from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered Loss of life.

45

Complete
MH Ross Travel Insurance Services

Flight Only AD&D Benefits
Optional coverage

Quote

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 three hundred sixty five (365) 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 180 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 180 days from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered Loss of life.

46

Asset
MH Ross Travel Insurance Services

Flight Only AD&D Benefits
Optional coverage

Quote

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 three hundred sixty five (365) 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 180 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 180 days from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered Loss of life.

RoamRight
RoamRight

47

Essential
RoamRight

Flight Only AD&D Benefits
Optional coverage

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER (AIR ONLY)

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

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.

TABLE OF LOSSES

Loss of: Percentage 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%
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; and
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 which 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 365 days after the event which caused the exposure.

Disappearance:
The Company will pay benefits for Loss of life if Your body cannot be located one year 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.

48

Essential
RoamRight

Flight Only AD&D Benefits
Optional coverage

Quote

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.

49

Preferred
RoamRight

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER (AIR ONLY)

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

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.

TABLE OF LOSSES

Loss of: Percentage 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%
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; and
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 which 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 365 days after the event which caused the exposure.

Disappearance:
The Company will pay benefits for Loss of life if Your body cannot be located one year 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.

50

Preferred
RoamRight

Flight Only AD&D Benefits
Optional coverage

Quote

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.

51

Elite
RoamRight

Flight Only AD&D Benefits
$100,000 per person

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT

The Company will pay the percentage of the maximum limit shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a Loss shown in the Table below. The Loss must occur within 180 days after the date of the Accident causing the Loss. The Maximum Limit is shown on Your Confirmation of Benefits. 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.

ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER (AIR ONLY)

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

TABLE OF LOSSES

Loss of: Percentage 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%
Speech and hearing in both ears 50%
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; and
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 which result from You being unavoidably exposed to the elements due to an Accident or 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 365 days after the event which caused the exposure.

Disappearance:
The Company will pay benefits for Loss of life if Your body cannot be located one year after Your disappearance due to an Accident or 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.

52

Elite
RoamRight

Flight Only AD&D Benefits
$100,000 per person

Quote

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.

53

Active
RoamRight

Flight Only AD&D Benefits
Optional coverage

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER (AIR ONLY)

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

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.

TABLE OF LOSSES

Loss of: Percentage 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%
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; and
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 which 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 365 days after the event which caused the exposure.

Disappearance:
The Company will pay benefits for Loss of life if Your body cannot be located one year 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.

54

Active
RoamRight

Flight Only AD&D Benefits
Optional coverage

Quote

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.

55

Adventure
RoamRight

Flight Only AD&D Benefits
Optional coverage

Quote

Full Policy Wording

ACCIDENTAL DEATH AND DISMEMBERMENT COMMON CARRIER (AIR ONLY)

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

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.

TABLE OF LOSSES

Loss of: Percentage 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%
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; and
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 which 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 365 days after the event which caused the exposure.

Disappearance:
The Company will pay benefits for Loss of life if Your body cannot be located one year 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.

56

Adventure
RoamRight

Flight Only AD&D Benefits
Optional coverage

Quote

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.

57

Multi-Trip
RoamRight

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

58

Multi-Trip Medical excl US
RoamRight

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

59

Medical excl US
RoamRight

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

60

Evacuation
RoamRight

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

Seven Corners Inc
Seven Corners Inc

61

RoundTrip
Seven Corners Inc

Flight Only AD&D Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONALFLIGHT ACCIDENTAL DEATH & DISMEMBERMENT

You are 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; on 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:(a) going to an airport to board an aircraft on which You are covered by this Policy; or (b) 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 under this Policy.

Benefits will be paid equal to the amount purchased for accidental death or dismemberment when You sustain Injuries resulting in any of the following Losses within 181 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, 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 this Policy.

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 this Policy, and Your body has not been found within fifty-two (52) weeks from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered 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 fifty-two (52) weeks of an eligible Accident, You 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 one hundred eighty-one (181) days of the Accident. To receive benefits, Loss must be independent of illness or disease and all other causes.

62

RoundTrip Choice
Seven Corners Inc

Flight Only AD&D Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONALFLIGHT ACCIDENTAL DEATH & DISMEMBERMENT

You are 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; on 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:(a) going to an airport to board an aircraft on which You are covered by this Policy; or (b) 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 under this Policy.

Benefits will be paid equal to the amount purchased for accidental death or dismemberment when You sustain Injuries resulting in any of the following Losses within 181 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, 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 this Policy.

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 this Policy, and Your body has not been found within fifty-two (52) weeks from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered 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 fifty-two (52) weeks of an eligible Accident,
You 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 one hundred eighty-one (181) days of the Accident. To receive benefits, Loss must be independent of illness or disease and all other causes.

63

Liaison Continent excl US
Seven Corners Inc

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

64

Liaison Majestic excl US
Seven Corners Inc

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

65

Liaison International excl US
Seven Corners Inc

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

66

RoundTrip Economy
Seven Corners Inc

Flight Only AD&D Benefits
Optional coverage

Quote

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).

67

RoundTrip Elite
Seven Corners Inc

Flight Only AD&D Benefits
Optional coverage

Quote

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).

68

Wander Frequent Traveler excl US
Seven Corners Inc

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

Tin Leg
Tin Leg

69

Economy
Tin Leg

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

70

Standard
Tin Leg

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

71

Luxury
Tin Leg

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

Travelex Insurance Services
Travelex Insurance Services

72

Flight Insure Multi-trip - AD&D Only
Travelex Insurance Services

Flight Only AD&D Benefits
$300,000 per person

Quote

Full Policy Wording

FLIGHT ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS

The benefits provided by the plan for air flight applies only if you sustain a covered loss in an Accident which occurs while a passenger in or on, boarding or alighting from an aircraft of a regularly scheduled airline or an air charter company that is licensed to carry passengers for hire.

We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Covered Trip and covered under the plan, and you suffer one of the loses listed below within 180 days of the Accident. The Principal Sum is the benefit amount shown on the Schedule.

Loss: Percentage of Principal Sum Payable:
Life 100%
Both Hands and 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 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 Accident covered by the plan, 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 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 Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

73

Flight Insure Package Plan Multi-trip
Travelex Insurance Services

Flight Only AD&D Benefits
$300,000 per person

Quote

Full Policy Wording

FLIGHT ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS

The benefits provided by the plan for air flight applies only if you sustain a covered loss in an Accident which occurs while a passenger in or on, boarding or alighting from an aircraft of a regularly scheduled airline or an air charter company that is licensed to carry passengers for hire.

We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Covered Trip and covered under the plan, and you suffer one of the loses listed below within 180 days of the Accident. The Principal Sum is the benefit amount shown on the Schedule.

Loss: Percentage of Principal Sum Payable:
Life 100%
Both Hands and 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 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 Accident covered by the plan, 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 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 Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

74

Flight Insure Plus - Flight AD&D Only
Travelex Insurance Services

Flight Only AD&D Benefits
$300,000 per person

Quote

Full Policy Wording

FLIGHT ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS

The benefits provided by the plan for air flight applies only if you sustain a covered loss in an Accident which occurs while a passenger in or on, boarding or alighting from an aircraft of a regularly scheduled airline or an air charter company that is licensed to carry passengers for hire.

We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Covered Trip and covered under the plan, and you suffer one of the loses listed below within 180 days of the Accident. The Principal Sum is the benefit amount shown on the Schedule.

Loss: Percentage of Principal Sum Payable:
Life 100%
Both Hands and 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 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 Accident covered by the plan, 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 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 Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

75

Flight Insure Plus - Package Plan
Travelex Insurance Services

Flight Only AD&D Benefits
$300,000 per person

Quote

Full Policy Wording

FLIGHT ACCIDENTAL DEATH & DISMEMBERMENT BENEFITS

The benefits provided by the plan for air flight applies only if you sustain a covered loss in an Accident which occurs while a passenger in or on, boarding or alighting from an aircraft of a regularly scheduled airline or an air charter company that is licensed to carry passengers for hire.

We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Covered Trip and covered under the plan, and you suffer one of the loses listed below within 180 days of the Accident. The Principal Sum is the benefit amount shown on the Schedule.

Loss: Percentage of Principal Sum Payable:
Life 100%
Both Hands and 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 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 Accident covered by the plan, 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 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 Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

76

Travel Basic
Travelex Insurance Services

Flight Only AD&D Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONAL TRANSPORTATION PAK

If you have purchased the Transportation Pak upgrade in addition to your Travelex Passenger Protection Plan, you will receive the Rental Car Damage and Flight Accidental Death and Dismemberment Benefits. One (1) Transportation Pak allowed per plan.

Flight Accidental Death & Dismemberment Benefits

The benefits provided by the plan for air flight applies only if you sustain a covered loss in an Accident which occurs while a passenger in or on, boarding or alighting from an aircraft of a regularly scheduled airline or an air charter company that is licensed to carry passengers for hire.

We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Covered Trip and covered under the plan, and you suffer one of the losses listed below within 180 days of the Accident. The Principal Sum is the benefit amount shown on the Schedule.

Loss: Percentage of Principal Sum Payable:
Life 100%
Both Hands and 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 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 Accident covered by the plan, 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 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 Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

77

Travel Max
Travelex Insurance Services

Flight Only AD&D Benefits
$200,000 per person

Quote

Full Policy Wording

Flight Accidental Death & Dismemberment Benefits

The benefits provided by the plan for air flight applies only if you sustain a covered loss in an Accident which occurs while a passenger in or on, boarding or alighting from an aircraft of a regularly scheduled airline or an air charter company that is licensed to carry passengers for hire.

We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Covered Trip and covered under the plan, and you suffer one of the losses listed below within 180 days of the Accident. The Principal Sum is the benefit amount shown on the Schedule.

Loss: Percentage of Principal Sum Payable:
Life 100%
Both Hands and 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 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 Accident covered by the plan, 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 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 Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

78

Travel Select
Travelex Insurance Services

Flight Only AD&D Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONAL TRANSPORTATION PAK

If you have purchased the Transportation Pak upgrade in addition to your Travelex Protection Plan, you will receive the Rental Car Damage Benefits and Flight Accidental Death & Dismemberment Benefits. One (1) Transportation Pak allowed per plan.

Flight Accidental Death & Dismemberment Benefits

The benefits provided by the plan for air flight applies only if you sustain a covered loss in an Accident which occurs while a passenger in or on, boarding or alighting from an aircraft of a regularly scheduled airline or an air charter company that is licensed to carry passengers for hire. We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Covered Trip and covered under the plan, and you suffer one of the losses listed below within 180 days of the Accident. The Principal Sum is the benefit amount shown on the Schedule.

Percentage of Principal Loss: Sum Payable:
Life 100%
Both Hands and 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 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 Accident covered by the plan, 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 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 Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

TravelSafe
TravelSafe

79

Basic
TravelSafe

Flight Only AD&D Benefits
Optional coverage

Quote

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.

80

Classic
TravelSafe

Flight Only AD&D Benefits
Optional coverage

Quote

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.

81

Classic Plus
TravelSafe

Flight Only AD&D Benefits
Optional coverage

Quote

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

82

Safe Travels USA
Trawick International

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

83

Safe Travels International excl US
Trawick International

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

84

Safe Travels USA Trip Protection
Trawick International

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

85

Safe Travels International Cost Saver excl US
Trawick International

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

86

Safe Travels USA Cost Saver
Trawick International

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

87

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

88

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

89

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

90

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

91

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

92

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

Flight Only AD&D Benefits
No coverage

Quote

Full Policy Wording

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

93

GlobalTrip Classic
USA-ASSIST Worldwide Protection

Flight Only AD&D Benefits
Optional coverage

Quote

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.

94

GlobalTrip Saver
USA-ASSIST Worldwide Protection

Flight Only AD&D Benefits
Optional coverage

Quote

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.

95

GlobalTrip Plus
USA-ASSIST Worldwide Protection

Flight Only AD&D Benefits
Optional coverage

Quote

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.

96

GlobalTrip High Medical
USA-ASSIST Worldwide Protection

Flight Only AD&D Benefits
Optional coverage

Quote

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.