Identity Theft Full Policy Wording

Each policy’s Identity Theft coverage is detailed below. View the coverage summary here.

AXA Assistance USA
AXA Assistance USA

1

Silver
AXA Assistance USA

Identity Theft Benefits
Covered

Start a New Search

Full Policy Wording

IDENTITY THEFT SERVICES

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

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

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

•Emergency Funds: Assistance sending emergency funds to you.

2

Gold
AXA Assistance USA

Identity Theft Benefits
Covered

Start a New Search

Full Policy Wording

IDENTITY THEFT SERVICES

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

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

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

•Emergency Funds: Assistance sending emergency funds to you.

3

Platinum
AXA Assistance USA

Identity Theft Benefits
Covered

Start a New Search

Full Policy Wording

IDENTITY THEFT SERVICES

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

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

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

•Emergency Funds: Assistance sending emergency funds to you.

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

4

ExactCare
Berkshire Hathaway Travel Protection

Identity Theft Benefits
Covered

Start a New Search

Full Policy Wording

Identity theft (Not available to New York residents)

· Assist identity-theft victim with ordering and reviewing credit-bureau records

· Assist identity-theft victim with investigating financial accounts where identity theft is suspected

· Assist victim in communications with creditors to help make the creditors aware of the victim’s identity-theft issues

· Assist identity-theft victim in identifying proper law enforcement to pursue prosecution of criminals

· Assist identity-theft victim in reviewing account activity

· Obtain additional resources for reviewing and resolution of victim’s Issues

Generali Global Assistance
Generali Global Assistance

5

Standard
Generali Global Assistance

Identity Theft Benefits
Covered

Start a New Search

Full Policy Wording

DESCRIPTION OF IDENTITY THEFT RESOLUTION SERVICES

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

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

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

• Provide you with a helpful ID Theft Resolution Kit.

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

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

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

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

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

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

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

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

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

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

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

6

Preferred
Generali Global Assistance

Identity Theft Benefits
Covered

Start a New Search

Full Policy Wording

DESCRIPTION OF IDENTITY THEFT RESOLUTION SERVICES

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

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

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

• Provide you with a helpful ID Theft Resolution Kit.

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

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

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

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

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

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

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

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

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

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

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

7

Premium
Generali Global Assistance

Identity Theft Benefits
Covered

Start a New Search

Full Policy Wording

DESCRIPTION OF IDENTITY THEFT RESOLUTION SERVICES

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

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

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

• Provide you with a helpful ID Theft Resolution Kit.

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

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

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

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

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

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

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

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

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

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

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

IMG
IMG

8

Patriot America
IMG

Identity Theft Benefits
$500 per person

Start a New Search

Full Policy Wording

U. IDENTITY THEFT – Subject to the Terms of this insurance and in the event the Insured Person’s identity is stolen, the Company will reimburse the Insured Person the reasonable, customary and necessary costs incurred by the Insured Person up to the amount shown in the Schedule of Benefits/Limits for: re-filing loan or other credit applications that are rejected solely as a result of the Insured Person’s stolen identity ; notarization of legal documents, long distance telephone calls, and postage incurred solely as a result of reporting, amending and/or rectifying records as a result of the Insured Person’s stolen identity; up to three credit reports obtained within one year of the Insured Person’s knowledge of the stolen identity event; stop payment orders placed on missing or unauthorized checks as a result of the stolen identity event.

9

Patriot International
IMG

Identity Theft Benefits
$500 per person

Start a New Search

Full Policy Wording

V. IDENTITY THEFT – Subject to the Terms of this insurance and in the event the Insured Person’s identity is stolen, the Company will reimburse the Insured Person the reasonable, customary and necessary costs incurred by the Insured Person up to the amount shown in the Schedule of Benefits/Limits for: re-filing loan or other credit applications that are rejected solely as a result of the Insured Person’s stolen identity ; notarization of legal documents, long distance telephone calls, and postage incurred solely as a result of reporting, amending and/or rectifying records as a result of the Insured Person’s stolen identity; up to three credit reports obtained within one year of the Insured Person’s knowledge of the stolen identity event; stop payment orders placed on missing or unauthorized checks as a result of the stolen identity event.

10

Patriot Multi-Trip America
IMG

Identity Theft Benefits
$500 per person

Start a New Search

Full Policy Wording

S. IDENTITY THEFT – The reasonable, customary and necessary costs incurred by the insured for re-filing loan or other credit applications that are rejected solely as a result of the stolen identity event; the reasonable, customary and necessary costs incurred by the insured for notarization of legal documents, long distance telephone calls, and postage that has resulted solely as a result of reporting, amending and/or rectifying records as a result of the stolen identity event; the reasonable, customary and necessary costs incurred by the insured for up to three credit reports obtained within one year of the insured person’s knowledge of the stolen identity event; the reasonable, customary and necessary costs incurred by the insured for stop payment orders placed on missing or unauthorized checks as a result of the stolen identity event.

11

Patriot Multi-Trip International
IMG

Identity Theft Benefits
$500 per person

Start a New Search

Full Policy Wording

S. IDENTITY THEFT – The reasonable, customary and necessary costs incurred by the insured for re-filing loan or other credit applications that are rejected solely as a result of the stolen identity event; the reasonable, customary and necessary costs incurred by the insured for notarization of legal documents, long distance telephone calls, and postage that has resulted solely as a result of reporting, amending and/or rectifying records as a result of the stolen identity event; the reasonable, customary and necessary costs incurred by the insured for up to three credit reports obtained within one year of the insured person’s knowledge of the stolen identity event; the reasonable, customary and necessary costs incurred by the insured for stop payment orders placed on missing or unauthorized checks as a result of the stolen identity event.

12

Patriot America Plus
IMG

Identity Theft Benefits
$500 per person

Start a New Search

Full Policy Wording

U. IDENTITY THEFT – Subject to the Terms of this insurance and in the event the Insured Person’s identity is stolen, the Company will reimburse the Insured Person the reasonable, customary and necessary costs incurred by the Insured Person up to the amount shown in the Schedule of Benefits/Limits for: re-filing loan or other credit applications that are rejected solely as a result of the Insured Person’s stolen identity ; notarization of legal documents, long distance telephone calls, and postage incurred solely as a result of reporting, amending and/or rectifying records as a result of the Insured Person’s stolen identity; up to three credit reports obtained within one year of the Insured Person’s knowledge of the stolen identity event; stop payment orders placed on missing or unauthorized checks as a result of the stolen identity event.

Tin Leg
Tin Leg

13

Economy
Tin Leg

Identity Theft Benefits
No coverage

Start a New Search

Full Policy Wording

There is no Identity Theft coverage with this plan.

14

Standard
Tin Leg

Identity Theft Benefits
Covered

Start a New Search

Full Policy Wording

Identity theft (Not available to New York residents)

• Assist identity-theft victim with ordering and reviewing credit bureau records

• Assist identity-theft victim with investigating financial accounts where identity theft is suspected

• Assist victim in communications with creditors to help make the creditors aware of the victim’s identity-theft issues

• Assist identity-theft victim in identifying proper law enforcement to pursue prosecution of criminals

• Assist identity-theft victim in reviewing account activity

• Obtain additional resources for reviewing and resolution of victim’s Issues

15

Luxury
Tin Leg

Identity Theft Benefits
Covered

Start a New Search

Full Policy Wording

Identity theft (Not available to New York residents)

• Assist identity-theft victim with ordering and reviewing credit bureau records

• Assist identity-theft victim with investigating financial accounts where identity theft is suspected

• Assist victim in communications with creditors to help make the creditors aware of the victim’s identity-theft issues

• Assist identity-theft victim in identifying proper law enforcement to pursue prosecution of criminals

• Assist identity-theft victim in reviewing account activity

• Obtain additional resources for reviewing and resolution of victim’s Issues

Travel Insured International
Travel Insured International

16

Worldwide Trip Protector Lite
Travel Insured International

Identity Theft Benefits
Covered

Start a New Search

Full Policy Wording

IDENTITY THEFT RESOLUTION SERVICES

In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to pre-event status. Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a guide on how to restore Your credit.

17

Worldwide Trip Protector Plus
Travel Insured International

Identity Theft Benefits
Covered

Start a New Search

Full Policy Wording

IDENTITY THEFT RESOLUTION SERVICES

In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to pre-event status. Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a guide on how to restore Your credit.

18

Worldwide Trip Protector
Travel Insured International

Identity Theft Benefits
Covered

Start a New Search

Full Policy Wording

IDENTITY THEFT RESOLUTION SERVICES

In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to pre-event status. Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a guide on how to restore Your credit.