The table below shows you at a glance which company provides the most comprehensive coverage for the Medical Evacuation & Repatriation 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 Medical Evacuation & Repatriation for the policies below

Air Ambulance Card
Air Ambulance Card

1

Air Ambulance Card - Standard Annual
Air Ambulance Card

Medical Evacuation & Repatriation Benefits
2 transports per year

Quote

Full Policy Wording

Transport Services While Traveling

If you are hospitalized as an inpatient due to an illness or injury while traveling more than 150 miles from home, whether domestically or internationally, Air Ambulance Card will arrange and pay for air medical transportation, medical evacuation, and repatriation services to the hospital of your choice in the United States or Canada.

Transport Services to Specialty Hospitals

If you are hospitalized as an inpatient in your hometown hospital and require admission to a specialty hospital located more than 150 miles away, and you are unable to travel without continuous medical care, Air Ambulance Card will arrange and pay for air medical transportation to the specialty hospital, provided that your receiving physician and our Medical Director agree that the transport to the specialty hospital is medically necessary.

Medical Monitoring and Consultation

When Air Ambulance Card is notified that you have been hospitalized while traveling, our Medical Director will communicate with the attending physician and will continue to monitor your condition. If requested we will communicate with your family during transport or until the medical condition is resolved.

Transport of Mortal Remains

If a member dies while traveling internationally we will arrange and pay for all necessary government authorization, provide a container appropriate for airline transport, and return the remains to a funeral home of choice in the U.S. or Canada.

WHEN WE WILL TRANSPORT YOU

If you are hospitalized as an inpatient and wish to be transferred to another hospital more than 150 miles away, we will provide fixed wing air ambulance services to you, subject to the following Terms and Conditions:

You must be hospitalized in a domestic or foreign hospital as an inpatient transferring to another hospital as an inpatient.

You must be medically stable for transfer. Assuming all other medical transfer criteria are met, members who are initially considered medically unstable for transfer to their home hospital may first be transferred to the closest appropriate medical facility for initial stabilization. After initial stabilization, we will arrange transfer to the member’s home hospital if they continue to meet medical transfer criteria. This transfer to the member’s home hospital is a continuation of the initial transfer and will be considered as one transport in determining the number of transports allowable per membership year.

You must have a confirmed admission at the receiving hospital prior to transport. Lack of US healthcare insurance may delay or prevent a confirmed admission.

Repatriation flights will only return you home to the United States or Canada.

The Air Ambulance Card Medical Director and the receiving physician must concur that the patient cannot be discharged and travel without continuous medical care.

Air Ambulance Card must make all arrangements for air medical transportation and repatriation. Since Air Ambulance Card is a membership program and not an insurance plan, members will not be reimbursed for expenses they incur on their own.

Decisions regarding urgency of the case, the best timing, and the most suitable means of transportation will be made by the Air Ambulance Card Medical Director after consultation with the local attending physician and the member’s receiving physician.

If a member’s condition permits, he or she may be transported as a patient on a scheduled commercial airline in the care of a medical team.

Both the originating and receiving hospitals must be reasonably accessible by ground ambulance to transport the member to and from an airfield capable of accommodating medical aircraft we provide.

Transportation from remote areas or islands to a location with an airfield accessible to medical aircraft is not provided. Costs of evacuation from these remote areas are the responsibility of the member.

Membership does not provide helicopter transports or payment of hospital bills.

Due to limited medical and laboratory facilities on cruise ships, in some cases our Medical Director may require a member to be admitted to a hospital on-shore before scheduling air medical transportation to another hospital.

U.S. registered aircraft and personnel cannot be sent into countries where the U.S. State Department has issued travel restrictions, or to areas where civil aviation has been suspended or restricted, such as the result of a natural disaster or civil unrest.Membership services are subject to exclusion in these areas.

One family member, business associate, and/or traveling companion may accompany the patient, at no additional cost, on medical aircraft if space is available and the patient’s care is not compromised.

Family members, business associates, and/or traveling companions accompanying patients transported as a patient on a scheduled commercial airline are responsible for their own airfare.

Air ambulance service is limited to two separate transports per membership per year, except for repatriation flights involving enrolled multiple family members requiring simultaneous repatriation. Under these circumstances, each family member will receive one fully paid transport.

The patient and an accompanying passenger are limited to one small carry-on bag each due to limited space available on medical aircraft. We will assist in arranging for additional luggage to be forwarded at the member’s expense.

Repatriation timeframe is dependent on required permits, visas, flight times, and mandatory crew rest periods.

WHEN WE WILL NOT TRANSPORT YOU

Air Ambulance Card is not a first, or emergency, responder. We will not transport or reimburse for transport to a hospital for initial treatment, emergency treatment, or diagnosis. Transports must originate from a hospital after the member has been admitted as an inpatient.

A member with mild lesions, simple injuries such as sprains, simple fractures or mild illness that can be treated by local doctors and do not prevent the member from continuing his trip or returning home does not qualify for air medical services.

A member who is hospitalized or anticipating hospitalization at the time of enrollment will not be eligible for transport benefits for that hospitalization. This includes injuries,illnesses, or conditions existing at the time of enrollment for which inpatient medical care (i) was received some time during the 30 days prior to enrollment, or (ii) has already been scheduled or recommended by a health care provider.

If you are medically discharged from the hospital or leave against medical advice, you will not be eligible for air medical transport.

A member traveling outside of the United States or Canada to receive medical care will not be transported.

A member with tuberculosis or other chronic airborne pathogens may not be transported.

A member with an infectious disease under treatment at the time of enrollment will not be transported for any condition related to that infection.

A member who is hospitalized with a psychiatric disorder will not be transported.

A member who is hospitalized for alcohol or drug abuse, including addiction,withdrawal, or complications from abuse, will not be transported.

A member will not be transported for an organ transplant or related condition.

A member who is seeking experimental or elective treatment, or participation in a clinical trial or study, will not be transported.

A member beyond the second trimester of pregnancy may not be transported.

Due to FAA weight limits on stretchers, members weighing over 300 pounds may not be transported. 

Members will not be entitled to transport if their illness or injury is a result of or is contributed to by the following:

- War, invasion or civil war;

- Suicide, attempted suicide or intentional self-injury;

- A member’s own criminal or felonious act, or

- Sustained while the member is in a state of mental incapacity.

TRANSPORT OF MORTAL REMAINS

The following restrictions or limitations apply to the transport of the mortal remains of a member.

Depending on foreign laws and customs, embalming may not be available outside of North America;

Documents required by some countries can delay transport by several days;

Caskets, other than those certified for airline transport, are not included; and Air Ambulance Card representatives must make all arrangements for the transport of mortal remains. No reimbursement will be made for expenses incurred by members.

GENERAL TERMS AND CONDITIONS

By applying for membership you accept and agree to Air Ambulance Card’s Terms and Conditions of membership which includes eligibility conditions, general terms, and the rules, regulations and transport criteria contained in this booklet.

These Terms and Condition may not be altered, varied, or modified in anyway except by Air Ambulance Card which reserves the right to change or amend these Terms and Conditions without notice to members.

The interpretation and application of Terms and Conditions, as well as any subsequent changes or amendments, are within the sole discretion of Air Ambulance Card, and all determinations shall be final and conclusive in each case.

These Terms and Conditions constitute the entire agreement between Air Ambulance Card and you as a member with regard to its subject matter and supersede all previous understandings and agreement, whether oral or written.

These Terms and Conditions are governed by the laws of the State of Alabama and any dispute between you and Air Ambulance Card shall be finally resolved by the Courts of the State of Alabama. Air Ambulance Card and its members agree to waive their right to trial by jury and agree to waive their right to punitive, exemplary, non-economic and consequential damages. Air Ambulance Card and its member’s right to recover damages at law is limited to contractual damages only.

Air Ambulance Card is not insurance. We must make all the arrangements for air medical transport services; we will not reimburse expenses incurred by members on their own.

2

Air Ambulance Card - Extended Stay 6 Months
Air Ambulance Card

Medical Evacuation & Repatriation Benefits
2 transports per year

Quote

Full Policy Wording

Transport Services While Traveling

If you are hospitalized as an inpatient due to an illness or injury while traveling more than 150 miles from home, whether domestically or internationally, Air Ambulance Card will arrange and pay for air medical transportation, medical evacuation, and repatriation services to the hospital of your choice in the United States or Canada.

Transport Services to Specialty Hospitals

If you are hospitalized as an inpatient in your hometown hospital and require admission to a specialty hospital located more than 150 miles away, and you are unable to travel without continuous medical care, Air Ambulance Card will arrange and pay for air medical transportation to the specialty hospital, provided that your receiving physician and our Medical Director agree that the transport to the specialty hospital is medically necessary.

Medical Monitoring and Consultation

When Air Ambulance Card is notified that you have been hospitalized while traveling, our Medical Director will communicate with the attending physician and will continue to monitor your condition. If requested we will communicate with your family during transport or until the medical condition is resolved.

Transport of Mortal Remains

If a member dies while traveling internationally we will arrange and pay for all necessary government authorization, provide a container appropriate for airline transport, and return the remains to a funeral home of choice in the U.S. or Canada.

WHEN WE WILL TRANSPORT YOU

If you are hospitalized as an inpatient and wish to be transferred to another hospital more than 150 miles away, we will provide fixed wing air ambulance services to you, subject to the following Terms and Conditions:

You must be hospitalized in a domestic or foreign hospital as an inpatient transferring to another hospital as an inpatient.

You must be medically stable for transfer. Assuming all other medical transfer criteria are met, members who are initially considered medically unstable for transfer to their home hospital may first be transferred to the closest appropriate medical facility for initial stabilization. After initial stabilization, we will arrange transfer to the member’s home hospital if they continue to meet medical transfer criteria. This transfer to the member’s home hospital is a continuation of the initial transfer and will be considered as one transport in determining the number of transports allowable per membership year.

You must have a confirmed admission at the receiving hospital prior to transport. Lack of US healthcare insurance may delay or prevent a confirmed admission.

Repatriation flights will only return you home to the United States or Canada.

The Air Ambulance Card Medical Director and the receiving physician must concur that the patient cannot be discharged and travel without continuous medical care.

Air Ambulance Card must make all arrangements for air medical transportation and repatriation. Since Air Ambulance Card is a membership program and not an insurance plan, members will not be reimbursed for expenses they incur on their own.

Decisions regarding urgency of the case, the best timing, and the most suitable means of transportation will be made by the Air Ambulance Card Medical Director after consultation with the local attending physician and the member’s receiving physician.

If a member’s condition permits, he or she may be transported as a patient on a scheduled commercial airline in the care of a medical team.

Both the originating and receiving hospitals must be reasonably accessible by ground ambulance to transport the member to and from an airfield capable of accommodating medical aircraft we provide.

Transportation from remote areas or islands to a location with an airfield accessible to medical aircraft is not provided. Costs of evacuation from these remote areas are the responsibility of the member.

Membership does not provide helicopter transports or payment of hospital bills.

Due to limited medical and laboratory facilities on cruise ships, in some cases our Medical Director may require a member to be admitted to a hospital on-shore before scheduling air medical transportation to another hospital.

U.S. registered aircraft and personnel cannot be sent into countries where the U.S. State Department has issued travel restrictions, or to areas where civil aviation has been suspended or restricted, such as the result of a natural disaster or civil unrest.Membership services are subject to exclusion in these areas.

One family member, business associate, and/or traveling companion may accompany the patient, at no additional cost, on medical aircraft if space is available and the patient’s care is not compromised.

Family members, business associates, and/or traveling companions accompanying patients transported as a patient on a scheduled commercial airline are responsible for their own airfare.

Air ambulance service is limited to two separate transports per membership per year, except for repatriation flights involving enrolled multiple family members requiring simultaneous repatriation. Under these circumstances, each family member will receive one fully paid transport.

The patient and an accompanying passenger are limited to one small carry-on bag each due to limited space available on medical aircraft. We will assist in arranging for additional luggage to be forwarded at the member’s expense.

Repatriation timeframe is dependent on required permits, visas, flight times, and mandatory crew rest periods.

WHEN WE WILL NOT TRANSPORT YOU

Air Ambulance Card is not a first, or emergency, responder. We will not transport or reimburse for transport to a hospital for initial treatment, emergency treatment, or diagnosis. Transports must originate from a hospital after the member has been admitted as an inpatient.

A member with mild lesions, simple injuries such as sprains, simple fractures or mild illness that can be treated by local doctors and do not prevent the member from continuing his trip or returning home does not qualify for air medical services.

A member who is hospitalized or anticipating hospitalization at the time of enrollment will not be eligible for transport benefits for that hospitalization. This includes injuries,illnesses, or conditions existing at the time of enrollment for which inpatient medical care (i) was received some time during the 30 days prior to enrollment, or (ii) has already been scheduled or recommended by a health care provider.

If you are medically discharged from the hospital or leave against medical advice, you will not be eligible for air medical transport.

A member traveling outside of the United States or Canada to receive medical care will not be transported.

A member with tuberculosis or other chronic airborne pathogens may not be transported.

A member with an infectious disease under treatment at the time of enrollment will not be transported for any condition related to that infection.

A member who is hospitalized with a psychiatric disorder will not be transported.

A member who is hospitalized for alcohol or drug abuse, including addiction,withdrawal, or complications from abuse, will not be transported.

A member will not be transported for an organ transplant or related condition.

A member who is seeking experimental or elective treatment, or participation in a clinical trial or study, will not be transported.

A member beyond the second trimester of pregnancy may not be transported.

Due to FAA weight limits on stretchers, members weighing over 300 pounds may not be transported. 

Members will not be entitled to transport if their illness or injury is a result of or is contributed to by the following:

- War, invasion or civil war;

- Suicide, attempted suicide or intentional self-injury;

- A member’s own criminal or felonious act, or

- Sustained while the member is in a state of mental incapacity.

TRANSPORT OF MORTAL REMAINS

The following restrictions or limitations apply to the transport of the mortal remains of a member.

Depending on foreign laws and customs, embalming may not be available outside of North America;

Documents required by some countries can delay transport by several days;

Caskets, other than those certified for airline transport, are not included; and Air Ambulance Card representatives must make all arrangements for the transport of mortal remains. No reimbursement will be made for expenses incurred by members.

GENERAL TERMS AND CONDITIONS

By applying for membership you accept and agree to Air Ambulance Card’s Terms and Conditions of membership which includes eligibility conditions, general terms, and the rules, regulations and transport criteria contained in this booklet.

These Terms and Condition may not be altered, varied, or modified in anyway except by Air Ambulance Card which reserves the right to change or amend these Terms and Conditions without notice to members.

The interpretation and application of Terms and Conditions, as well as any subsequent changes or amendments, are within the sole discretion of Air Ambulance Card, and all determinations shall be final and conclusive in each case.

These Terms and Conditions constitute the entire agreement between Air Ambulance Card and you as a member with regard to its subject matter and supersede all previous understandings and agreement, whether oral or written.

These Terms and Conditions are governed by the laws of the State of Alabama and any dispute between you and Air Ambulance Card shall be finally resolved by the Courts of the State of Alabama. Air Ambulance Card and its members agree to waive their right to trial by jury and agree to waive their right to punitive, exemplary, non-economic and consequential damages. Air Ambulance Card and its member’s right to recover damages at law is limited to contractual damages only.

Air Ambulance Card is not insurance. We must make all the arrangements for air medical transport services; we will not reimburse expenses incurred by members on their own.

3

Air Ambulance Card - Extended Stay 12 Months
Air Ambulance Card

Medical Evacuation & Repatriation Benefits
2 transports per year

Quote

Full Policy Wording

Transport Services While Traveling

If you are hospitalized as an inpatient due to an illness or injury while traveling more than 150 miles from home, whether domestically or internationally, Air Ambulance Card will arrange and pay for air medical transportation, medical evacuation, and repatriation services to the hospital of your choice in the United States or Canada.

Transport Services to Specialty Hospitals

If you are hospitalized as an inpatient in your hometown hospital and require admission to a specialty hospital located more than 150 miles away, and you are unable to travel without continuous medical care, Air Ambulance Card will arrange and pay for air medical transportation to the specialty hospital, provided that your receiving physician and our Medical Director agree that the transport to the specialty hospital is medically necessary.

Medical Monitoring and Consultation

When Air Ambulance Card is notified that you have been hospitalized while traveling, our Medical Director will communicate with the attending physician and will continue to monitor your condition. If requested we will communicate with your family during transport or until the medical condition is resolved.

Transport of Mortal Remains

If a member dies while traveling internationally we will arrange and pay for all necessary government authorization, provide a container appropriate for airline transport, and return the remains to a funeral home of choice in the U.S. or Canada.

WHEN WE WILL TRANSPORT YOU

If you are hospitalized as an inpatient and wish to be transferred to another hospital more than 150 miles away, we will provide fixed wing air ambulance services to you, subject to the following Terms and Conditions:

You must be hospitalized in a domestic or foreign hospital as an inpatient transferring to another hospital as an inpatient.

You must be medically stable for transfer. Assuming all other medical transfer criteria are met, members who are initially considered medically unstable for transfer to their home hospital may first be transferred to the closest appropriate medical facility for initial stabilization. After initial stabilization, we will arrange transfer to the member’s home hospital if they continue to meet medical transfer criteria. This transfer to the member’s home hospital is a continuation of the initial transfer and will be considered as one transport in determining the number of transports allowable per membership year.

You must have a confirmed admission at the receiving hospital prior to transport. Lack of US healthcare insurance may delay or prevent a confirmed admission.

Repatriation flights will only return you home to the United States or Canada.

The Air Ambulance Card Medical Director and the receiving physician must concur that the patient cannot be discharged and travel without continuous medical care.

Air Ambulance Card must make all arrangements for air medical transportation and repatriation. Since Air Ambulance Card is a membership program and not an insurance plan, members will not be reimbursed for expenses they incur on their own.

Decisions regarding urgency of the case, the best timing, and the most suitable means of transportation will be made by the Air Ambulance Card Medical Director after consultation with the local attending physician and the member’s receiving physician.

If a member’s condition permits, he or she may be transported as a patient on a scheduled commercial airline in the care of a medical team.

Both the originating and receiving hospitals must be reasonably accessible by ground ambulance to transport the member to and from an airfield capable of accommodating medical aircraft we provide.

Transportation from remote areas or islands to a location with an airfield accessible to medical aircraft is not provided. Costs of evacuation from these remote areas are the responsibility of the member.

Membership does not provide helicopter transports or payment of hospital bills.

Due to limited medical and laboratory facilities on cruise ships, in some cases our Medical Director may require a member to be admitted to a hospital on-shore before scheduling air medical transportation to another hospital.

U.S. registered aircraft and personnel cannot be sent into countries where the U.S. State Department has issued travel restrictions, or to areas where civil aviation has been suspended or restricted, such as the result of a natural disaster or civil unrest.Membership services are subject to exclusion in these areas.

One family member, business associate, and/or traveling companion may accompany the patient, at no additional cost, on medical aircraft if space is available and the patient’s care is not compromised.

Family members, business associates, and/or traveling companions accompanying patients transported as a patient on a scheduled commercial airline are responsible for their own airfare.

Air ambulance service is limited to two separate transports per membership per year, except for repatriation flights involving enrolled multiple family members requiring simultaneous repatriation. Under these circumstances, each family member will receive one fully paid transport.

The patient and an accompanying passenger are limited to one small carry-on bag each due to limited space available on medical aircraft. We will assist in arranging for additional luggage to be forwarded at the member’s expense.

Repatriation timeframe is dependent on required permits, visas, flight times, and mandatory crew rest periods.

WHEN WE WILL NOT TRANSPORT YOU

Air Ambulance Card is not a first, or emergency, responder. We will not transport or reimburse for transport to a hospital for initial treatment, emergency treatment, or diagnosis. Transports must originate from a hospital after the member has been admitted as an inpatient.

A member with mild lesions, simple injuries such as sprains, simple fractures or mild illness that can be treated by local doctors and do not prevent the member from continuing his trip or returning home does not qualify for air medical services.

A member who is hospitalized or anticipating hospitalization at the time of enrollment will not be eligible for transport benefits for that hospitalization. This includes injuries,illnesses, or conditions existing at the time of enrollment for which inpatient medical care (i) was received some time during the 30 days prior to enrollment, or (ii) has already been scheduled or recommended by a health care provider.

If you are medically discharged from the hospital or leave against medical advice, you will not be eligible for air medical transport.

A member traveling outside of the United States or Canada to receive medical care will not be transported.

A member with tuberculosis or other chronic airborne pathogens may not be transported.

A member with an infectious disease under treatment at the time of enrollment will not be transported for any condition related to that infection.

A member who is hospitalized with a psychiatric disorder will not be transported.

A member who is hospitalized for alcohol or drug abuse, including addiction,withdrawal, or complications from abuse, will not be transported.

A member will not be transported for an organ transplant or related condition.

A member who is seeking experimental or elective treatment, or participation in a clinical trial or study, will not be transported.

A member beyond the second trimester of pregnancy may not be transported.

Due to FAA weight limits on stretchers, members weighing over 300 pounds may not be transported. 

Members will not be entitled to transport if their illness or injury is a result of or is contributed to by the following:

- War, invasion or civil war;

- Suicide, attempted suicide or intentional self-injury;

- A member’s own criminal or felonious act, or

- Sustained while the member is in a state of mental incapacity.

TRANSPORT OF MORTAL REMAINS

The following restrictions or limitations apply to the transport of the mortal remains of a member.

Depending on foreign laws and customs, embalming may not be available outside of North America;

Documents required by some countries can delay transport by several days;

Caskets, other than those certified for airline transport, are not included; and Air Ambulance Card representatives must make all arrangements for the transport of mortal remains. No reimbursement will be made for expenses incurred by members.

GENERAL TERMS AND CONDITIONS

By applying for membership you accept and agree to Air Ambulance Card’s Terms and Conditions of membership which includes eligibility conditions, general terms, and the rules, regulations and transport criteria contained in this booklet.

These Terms and Condition may not be altered, varied, or modified in anyway except by Air Ambulance Card which reserves the right to change or amend these Terms and Conditions without notice to members.

The interpretation and application of Terms and Conditions, as well as any subsequent changes or amendments, are within the sole discretion of Air Ambulance Card, and all determinations shall be final and conclusive in each case.

These Terms and Conditions constitute the entire agreement between Air Ambulance Card and you as a member with regard to its subject matter and supersede all previous understandings and agreement, whether oral or written.

These Terms and Conditions are governed by the laws of the State of Alabama and any dispute between you and Air Ambulance Card shall be finally resolved by the Courts of the State of Alabama. Air Ambulance Card and its members agree to waive their right to trial by jury and agree to waive their right to punitive, exemplary, non-economic and consequential damages. Air Ambulance Card and its member’s right to recover damages at law is limited to contractual damages only.

Air Ambulance Card is not insurance. We must make all the arrangements for air medical transport services; we will not reimburse expenses incurred by members on their own.

APRIL Travel Protection
APRIL Travel Protection

4

Economy Plan
APRIL Travel Protection

Medical Evacuation & Repatriation Benefits
$250,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION & MEDICALLY NECESSARY REPATRIATION

We will pay, subject to the limitations set out herein, for Covered Emergency Medical Evacuation expenses reasonably incurred if You suffer an Accidental Injury or Emergency Sickness that warrants Your Emergency Medical Evacuation while You are on a Covered Trip. Benefits payable are subject to the Maximum Benefit per Insured shown on the Schedule of Benefits for all Emergency Medical Evacuations due to all injuries from the same Accident or all Emergency Sickness from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Medical Evacuation and must certify that the severity of Your Accidental Injury or Emergency Sickness warrants Your Emergency Medical Evacuation to the closest adequate medical facility. The Assistance Company or We must review and approve the necessity of the Emergency Medical Evacuation based on the inadequacy of local medical facilities. The Emergency Medical Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Medical Evacuation expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Medical Evacuation. Expenses for Transportation must be: a) recommended by the attending Physician; and b) required by the standard regulations of the conveyance transporting You; and c) reviewed and pre-approved by the Assistance Company. We will also pay Reasonable and Customary expenses, for escort expenses required by You, if You are disabled during a Covered Trip and an escort is recommended in writing by an attending Physician and such expenses are pre-approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Medical Evacuation, We will pay, subject to the limitations set out herein, for expenses:

a) to return to the United States where You reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Accidental Injury or Emergency Sickness occurred and were left alone. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel tickets per person;

b) to bring 1 person chosen by You to and from the Hospital or other medical facility where You are confined if You are alone, but not to exceed the cost of 1 round-trip economy airfare ticket.

In addition to the above Covered Expenses, if We have previously evacuated You to a medical facility, We will pay Your airfare costs from that facility to Your primary residence, within 1 year from Your original Scheduled Return Date, less refunds from Your unused Transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the Policy.

Transportation of Spouse or Domestic Partner: If You are confined to the Hospital for more than 7 days or if the attending Physician certifies that due to Your Accidental Injury or Sickness, You will be required to stay in the Hospital for more than 7 consecutive days, or if You die on the Covered Trip and require Repatriation of Remains, We will return Your spouse or Domestic Partner to Your primary residence. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel ticket.

REPATRIATION OF REMAINS

We will pay the reasonable Covered Expenses incurred to return Your body to Your primary residence if You die during the Covered Trip. No payment will exceed the maximum shown on the Schedule of Benefits.

Covered Expenses include: The collection of the body of the deceased; the transfer of the body to a professional funeral home; embalming and preparation of the body or cremation if so desired; standard shipping casket; any required consular proceedings; the transfer of the casket to the airport and boarding of the casket onto the plane; any required permits and corresponding airfare; and the transfer of the deceased to its final destination. All Covered Expenses must be approved in advance by the Assistance Company.

Escort Service: We will pay to return any of Your children who were accompanying You at the time of Your death back to Your primary residence, including the cost of an attendant for a minor child. Such expenses shall not exceed the cost of a one-way economy airfare ticket, less the value of any applied credit from any unused return travel tickets for each person.

5

VIP Plan
APRIL Travel Protection

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION & MEDICALLY NECESSARY REPATRIATION

We will pay, subject to the limitations set out herein, for Covered Emergency Medical Evacuation expenses reasonably incurred if You suffer an Accidental Injury or Emergency Sickness that warrants Your Emergency Medical Evacuation while You are on a Covered Trip. Benefits payable are subject to the Maximum Benefit per Insured shown on the Schedule of Benefits for all Emergency Medical Evacuations due to all injuries from the same Accident or all Emergency Sickness from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Medical Evacuation and must certify that the severity of Your Accidental Injury or Emergency Sickness warrants Your Emergency Medical Evacuation to the closest adequate medical facility. The Assistance Company or We must review and approve the necessity of the Emergency Medical Evacuation based on the inadequacy of local medical facilities. The Emergency Medical Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Medical Evacuation expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Medical Evacuation. Expenses for Transportation must be: a) recommended by the attending Physician; and b) required by the standard regulations of the conveyance transporting You; and c) reviewed and pre-approved by the Assistance Company. We will also pay Reasonable and Customary expenses, for escort expenses required by You, if You are disabled during a Covered Trip and an escort is recommended in writing by an attending Physician and such expenses are pre-approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Medical Evacuation, We will pay, subject to the limitations set out herein, for expenses:

a) to return to the United States where You reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Accidental Injury or Emergency Sickness occurred and were left alone. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel tickets per person;

b) to bring 1 person chosen by You to and from the Hospital or other medical facility where You are confined if You are alone, but not to exceed the cost of 1 round-trip economy airfare ticket.

In addition to the above Covered Expenses, if We have previously evacuated You to a medical facility, We will pay Your airfare costs from that facility to Your primary residence, within 1 year from Your original Scheduled Return Date, less refunds from Your unused Transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the Policy.

Transportation of Spouse or Domestic Partner: If You are confined to the Hospital for more than 7 days or if the attending Physician certifies that due to Your Accidental Injury or Sickness, You will be required to stay in the Hospital for more than 7 consecutive days, or if You die on the Covered Trip and require Repatriation of Remains, We will return Your spouse or Domestic Partner to Your primary residence. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel ticket.

EMERGENCY NON-MEDICAL EVACUATION DUE TO CATASTROPHE

For purposes of this Benefit, “Catastrophe” means a violent and destructive natural event causing a sudden change in a feature of the earth. Catastrophe includes but is not limited to earthquakes, tsunamis, hurricanes, mudslides, and other similar destructive Natural Disasters.

We will pay, subject to the limitations set out herein, for Covered Emergency Non-Medical Evacuation expenses reasonably incurred if You must be evacuated during Your Covered Trip due to a Catastrophe. Benefits payable are for Transportation only and are subject to the maximum benefit shown on the Schedule of Benefits for all Emergency Non- Medical Evacuations due a single Catastrophe per person.

Your claim must be substantiated by a report from an appropriate authority confirming that it was unsafe and unacceptable for You to stay in Your current accommodations. The certification and approval for Emergency Non-Medical Evacuation must be coordinated through the most direct and economical conveyance and route possible. Expenses for Transportation must be:

a) required by the standard regulations of the conveyance transporting You; and

b) reviewed and pre-approved by the Assistance Company.

REPATRIATION OF REMAINS

We will pay the reasonable Covered Expenses incurred to return Your body to Your primary residence if You die during the Covered Trip. No payment will exceed the maximum shown on the Schedule of Benefits.

Covered Expenses include: The collection of the body of the deceased; the transfer of the body to a professional funeral home; embalming and preparation of the body or cremation if so desired; standard shipping casket; any required consular proceedings; the transfer of the casket to the airport and boarding of the casket onto the plane; any required permits and corresponding airfare; and the transfer of the deceased to its final destination. All Covered Expenses must be approved in advance by the Assistance Company.

Escort Service: We will pay to return any of Your children who were accompanying You at the time of Your death back to Your primary residence, including the cost of an attendant for a minor child. Such expenses shall not exceed the cost of a one-way economy airfare ticket, less the value of any applied credit from any unused return travel tickets for each person.

6

Trip Cancellation Plan
APRIL Travel Protection

Medical Evacuation & Repatriation Benefits
No coverage

Quote

Full Policy Wording

There is no Medical Evacuation & Repatriation coverage with this plan.

7

Multi-Trip Plan Universal
APRIL Travel Protection

Medical Evacuation & Repatriation Benefits
$100,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION & MEDICALLY NECESSARY REPATRIATION

We will pay, subject to the limitations set out herein, for Covered Emergency Medical Evacuation expenses reasonably incurred if You suffer an Accidental Injury or Emergency Sickness that warrants Your Emergency Medical Evacuation while You are on a Covered Trip. Benefits payable are subject to the Maximum Benefit per Insured shown on the Schedule of Benefits for all Emergency Medical Evacuations due to all injuries from the same Accident or all Emergency Sickness from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Medical Evacuation and must certify that the severity of Your Accidental Injury or Emergency Sickness warrants Your Emergency Medical Evacuation to the closest adequate medical facility. The Assistance Company or We must review and approve the necessity of the Emergency Medical Evacuation based on the inadequacy of local medical facilities. The Emergency Medical Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Medical Evacuation expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Medical Evacuation. Expenses for Transportation must be: a) recommended by the attending Physician; and b) required by the standard regulations of the conveyance transporting You; and c) reviewed and pre-approved by the Assistance Company. We will also pay Reasonable and Customary expenses, for escort expenses required by You, if You are disabled during a Covered Trip and an escort is recommended in writing by an attending Physician and such expenses are pre-approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Medical Evacuation, We will pay, subject to the limitations set out herein, for expenses:

a) to return to the United States where You reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Accidental Injury or Emergency Sickness occurred and were left alone. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel tickets per person;

b) to bring 1 person chosen by You to and from the Hospital or other medical facility where You are confined if You are alone, but not to exceed the cost of 1 round-trip economy airfare ticket.

In addition to the above Covered Expenses, if We have previously evacuated You to a medical facility, We will pay Your airfare costs from that facility to Your primary residence, within 1 year from Your original Scheduled Return Date, less refunds from Your unused Transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the Policy.

Transportation of Spouse or Domestic Partner: If You are confined to the Hospital for more than 7 days or if the attending Physician certifies that due to Your Accidental Injury or Sickness, You will be required to stay in the Hospital for more than 7 consecutive days, or if You die on the Covered Trip and require Repatriation of Remains, We will return Your spouse or Domestic Partner to Your primary residence. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel ticket.

REPATRIATION OF REMAINS

We will pay the reasonable Covered Expenses incurred to return Your body to Your primary residence if You die during the Covered Trip. No payment will exceed the maximum shown on the Schedule of Benefits.

Covered Expenses include: The collection of the body of the deceased; the transfer of the body to a professional funeral home; embalming and preparation of the body or cremation if so desired; standard shipping casket; any required consular proceedings; the transfer of the casket to the airport and boarding of the casket onto the plane; any required permits and corresponding airfare; and the transfer of the deceased to its final destination. All Covered Expenses must be approved in advance by the Assistance Company.

Escort Service: We will pay to return any of Your children who were accompanying You at the time of Your death back to Your primary residence, including the cost of an attendant for a minor child. Such expenses shall not exceed the cost of a one-way economy airfare ticket, less the value of any applied credit from any unused return travel tickets for each person.

8

Multi-Trip Plan Elite
APRIL Travel Protection

Medical Evacuation & Repatriation Benefits
$250,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION & MEDICALLY NECESSARY REPATRIATION

We will pay, subject to the limitations set out herein, for Covered Emergency Medical Evacuation expenses reasonably incurred if You suffer an Accidental Injury or Emergency Sickness that warrants Your Emergency Medical Evacuation while You are on a Covered Trip. Benefits payable are subject to the Maximum Benefit per Insured shown on the Schedule of Benefits for all Emergency Medical Evacuations due to all injuries from the same Accident or all Emergency Sickness from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Medical Evacuation and must certify that the severity of Your Accidental Injury or Emergency Sickness warrants Your Emergency Medical Evacuation to the closest adequate medical facility. The Assistance Company or We must review and approve the necessity of the Emergency Medical Evacuation based on the inadequacy of local medical facilities. The Emergency Medical Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Medical Evacuation expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Medical Evacuation. Expenses for Transportation must be: a) recommended by the attending Physician; and b) required by the standard regulations of the conveyance transporting You; and c) reviewed and pre-approved by the Assistance Company.

We will also pay Reasonable and Customary expenses, for escort expenses required by You, if You are disabled during a Covered Trip and an escort is recommended in writing by an attending Physician and such expenses are pre-approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Medical Evacuation, We will pay, subject to the limitations set out herein, for expenses:

a) to return to the United States where You reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Accidental Injury or Emergency Sickness occurred and were left alone. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel tickets per person;

b) to bring 1 person chosen by You to and from the Hospital or other medical facility where You are confined if You are alone, but not to exceed the cost of 1 round-trip economy airfare ticket.

In addition to the above Covered Expenses, if We have previously evacuated You to a medical facility, We will pay Your airfare costs from that facility to Your primary residence, within 1 year from Your original Scheduled Return Date, less refunds from Your unused Transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the Policy.

Transportation of Spouse or Domestic Partner: If You are confined to the Hospital for more than 7 days or if the attending Physician certifies that due to Your Accidental Injury or Sickness, You will be required to stay in the Hospital for more than 7 consecutive days, or if You die on the Covered Trip and require Repatriation of Remains, We will return Your spouse or Domestic Partner to Your primary residence. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel ticket.

9

Choice
APRIL Travel Protection

Medical Evacuation & Repatriation Benefits
$250,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION

We will pay, subject to the limitations set out herein, for Covered Emergency Medical Evacuation expenses reasonably incurred if You suffer an Accidental Injury or Emergency Sickness that warrants Your Emergency Medical Evacuation while You are on a Covered Trip. Benefits payable are subject to the Maximum Benefit per Insured shown on the Schedule of Benefits for all Emergency Medical Evacuations due to all injuries from the same Accident or all Emergency Sickness from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Medical Evacuation and must certify that the severity of Your Accidental Injury or Emergency Sickness warrants Your Emergency Medical Evacuation to the closest adequate medical facility. The Assistance Company or We must review and approve the necessity of the Emergency Medical Evacuation based on the inadequacy of local medical facilities. The Emergency Medical Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Medical Evacuation expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Medical Evacuation. Expenses for Transportation must be: a) recommended by the attending Physician; and b) required by the standard regulations of the conveyance transporting You; and c) reviewed and pre-approved by the Assistance Company.

We will also pay Reasonable and Customary expenses, for escort expenses required by You, if You are disabled during a Covered Trip and an escort is recommended in writing by an attending Physician and such expenses are pre-approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Medical Evacuation Expense, We will pay, subject to the limitations set out herein, for expenses:

a) To return to where You reside, with an attendant if necessary, any of Your Dependent Children and any minor persons under Your care who were accompanying You when the Accidental Injury or Sickness occurred and were left alone. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel tickets per person.

b) To bring 1 person chosen by You to and from the Hospital or other medical facility where You are confined if You are alone; but not to exceed the cost of 1 round-Trip economy airfare ticket, including reasonable, additional meals and lodging not to exceed $200 per day.

c) To return You from the medical facility to which You were evacuated to Your return destination via Common Carrier, within 1 year from Your original Covered Trip completion date. Commercial airfare costs will be in the same class of service as Your original airline tickets, or in business or first class if Medically Necessary due to Your medical requirements upon the discharge, less refunds from Your unused Transportation tickets.

In addition to the above Covered Expenses, if We have previously evacuated You to a medical facility, We will pay Your airfare costs from that facility to Your primary residence, within 1 year from Your original Scheduled Return Date, less refunds from Your unused Transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the Policy.

Transportation of Spouse or Domestic Partner: If You are confined to the Hospital for more than 7 days or if the attending Physician certifies that due to Your Accidental Injury or Sickness, You will be required to stay in the Hospital for more than 7 consecutive days, or if You die on the Covered Trip and require Repatriation of Remains, We will return Your spouse or Domestic Partner to Your primary residence. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel ticket.

REPATRIATION OF REMAINS

We will pay the reasonable Covered Expenses incurred to return Your body to Your primary residence if You die during the Covered Trip. No payment will exceed the maximum shown on the Schedule of Benefits.

Covered Expenses include: The collection of the body of the deceased; the transfer of the body to a professional funeral home; embalming and preparation of the body or cremation if so desired; standard shipping casket; any required consular proceedings; the transfer of the casket to the airport and boarding of the casket onto the plane; any required permits and corresponding airfare; and the transfer of the deceased to its final destination. All Covered Expenses must be approved in advance by the Assistance Company.

AXA Assistance USA
AXA Assistance USA

10

Silver
AXA Assistance USA

Medical Evacuation & Repatriation Benefits
$100,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION

We will pay, subject to the limitations set out herein, for Covered Emergency Medical Evacuation expenses reasonably incurred if You suffer an Accidental Injury or Emergency Sickness that warrants Your Emergency Medical Evacuation while You are on a Covered Trip. Benefits payable are subject to the Maximum Benefit per Insured shown on the Schedule of Benefits for all Emergency Medical Evacuations due to all injuries from the same Accident or all Emergency Sickness from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Medical Evacuation and must certify that the severity of Your Accidental Injury or Emergency Sickness warrants Your Emergency Medical Evacuation to the closest adequate medical facility. The Assistance Company or We must review and approve the necessity of the Emergency Medical Evacuation based on the inadequacy of local medical facilities. The Emergency Medical Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Medical Evacuation expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Medical Evacuation. Expenses for Transportation must be: (a) recommended by the attending Physician; and (b) required by the standard regulations of the conveyance transporting You; and © reviewed and pre-approved by the Assistance Company.

We will also pay Reasonable and Customary expenses, for escort expenses required by You, if You are disabled during a Covered Trip and an escort is recommended in writing by an attending Physician and such expenses are pre-approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Medical Evacuation, We will pay, subject to the limitations set out herein, for expenses:

a) to return to the United States where You reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Accidental Injury or Emergency Sickness occurred and were left alone. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel tickets per person;

b) to bring 1 person chosen by You to and from the Hospital or other medical facility where You are confined if You are alone, but not to exceed the cost of 1 round-trip economy airfare ticket.

In addition to the above Covered Expenses, if We have previously evacuated You to a medical facility, We will pay Your airfare costs from that facility to Your primary residence, within 1 year from Your original Scheduled Return Date, less refunds from Your unused Transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the Policy.

REPATRIATION OF REMAINS

We will pay the reasonable Covered Expenses incurred to return Your body to Your primary residence if You die during the Covered Trip. No payment will exceed the maximum shown on the Schedule of Benefits.

Covered Expenses include: The collection of the body of the deceased; the transfer of the body to a professional funeral home; embalming and preparation of the body or cremation if so desired; standard shipping casket; any required consular proceedings; the transfer of the casket to the airport and boarding of the casket onto the plane; any required permits and corresponding airfare; and the transfer of the deceased to its final destination. All Covered Expenses must be approved in advance by the Assistance Company.

11

Gold
AXA Assistance USA

Medical Evacuation & Repatriation Benefits
$250,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION

We will pay, subject to the limitations set out herein, for Covered Emergency Medical Evacuation expenses reasonably incurred if You suffer an Accidental Injury or Emergency Sickness that warrants Your Emergency Medical Evacuation while You are on a Covered Trip. Benefits payable are subject to the Maximum Benefit per Insured shown on the Schedule of Benefits for all Emergency Medical Evacuations due to all injuries from the same Accident or all Emergency Sickness from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Medical Evacuation and must certify that the severity of Your Accidental Injury or Emergency Sickness warrants Your Emergency Medical Evacuation to the closest adequate medical facility. The Assistance Company or We must review and approve the necessity of the Emergency Medical Evacuation based on the inadequacy of local medical facilities. The Emergency Medical Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Medical Evacuation expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Medical Evacuation. Expenses for Transportation must be: (a) recommended by the attending Physician; and (b) required by the standard regulations of the conveyance transporting You; and © reviewed and pre-approved by the Assistance Company.

We will also pay Reasonable and Customary expenses, for escort expenses required by You, if You are disabled during a Covered Trip and an escort is recommended in writing by an attending Physician and such expenses are pre-approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Medical Evacuation, We will pay, subject to the limitations set out herein, for expenses:

a) to return to the United States where You reside, with an attendant if necessary, any of Your Dependent Children who
were accompanying You when the Accidental Injury or Emergency Sickness occurred and were left alone. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel tickets per person;

b) to bring 1 person chosen by You to and from the Hospital or other medical facility where You are confined if You are alone, but not to exceed the cost of 1 round-trip economy airfare ticket.

In addition to the above Covered Expenses, if We have previously evacuated You to a medical facility, We will pay Your airfare costs from that facility to Your primary residence, within 1 year from Your original Scheduled Return Date, less refunds from Your unused Transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the Policy.

REPATRIATION OF REMAINS

We will pay the reasonable Covered Expenses incurred to return Your body to Your primary residence if You die during the Covered Trip. No payment will exceed the maximum shown on the Schedule of Benefits.

Covered Expenses include: The collection of the body of the deceased; the transfer of the body to a professional funeral home; embalming and preparation of the body or cremation if so desired; standard shipping casket; any required consular proceedings; the transfer of the casket to the airport and boarding of the casket onto the plane; any required permits and corresponding airfare; and the transfer of the deceased to its final destination. All Covered Expenses must be approved in advance by the Assistance Company.

12

Platinum
AXA Assistance USA

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION

We will pay, subject to the limitations set out herein, for Covered Emergency Medical Evacuation expenses reasonably incurred if You suffer an Accidental Injury or Emergency Sickness that warrants Your Emergency Medical Evacuation while You are on a Covered Trip. Benefits payable are subject to the Maximum Benefit per Insured shown on the Schedule of Benefits for all Emergency Medical Evacuations due to all injuries from the same Accident or all Emergency Sickness from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Medical Evacuation and must certify that the severity of Your Accidental Injury or Emergency Sickness warrants Your Emergency Medical Evacuation to Your Hospital of choice. The Assistance Company or We must review and approve the necessity of the Emergency Medical Evacuation based on the inadequacy of local medical facilities. The Emergency Medical Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Medical Evacuation expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Medical Evacuation. Expenses for Transportation must be: (a) recommended by the attending Physician; and (b) required by the standard regulations of the conveyance transporting You; and © reviewed and pre-approved by the Assistance Company.

We will also pay Reasonable and Customary expenses, for escort expenses required by You, if You are disabled during a Covered Trip and an escort is recommended in writing by an attending Physician and such expenses are pre-approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Medical Evacuation, We will pay, subject to the limitations set out herein, for expenses:

a) to return to the United States where You reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Accidental Injury or Emergency Sickness occurred and were left alone. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel tickets per person;

b) to bring 1 person chosen by You to and from the Hospital or other medical facility where You are confined if You are alone, but not to exceed the cost of 1 round-trip economy airfare ticket.

In addition to the above Covered Expenses, if We have previously evacuated You to a medical facility, We will pay Your airfare costs from that facility to Your primary residence, within 1 year from Your original Scheduled Return Date, less refunds from Your unused Transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the Policy.

REPATRIATION OF REMAINS

We will pay the reasonable Covered Expenses incurred to return Your body to Your primary residence if You die during the Covered Trip. No payment will exceed the maximum shown on the Schedule of Benefits.

Covered Expenses include: The collection of the body of the deceased; the transfer of the body to a professional funeral home; embalming and preparation of the body or cremation if so desired; standard shipping casket; any required consular proceedings; the transfer of the casket to the airport and boarding of the casket onto the plane; any required permits and corresponding airfare; and the transfer of the deceased to its final destination. All Covered Expenses must be approved in advance by the Assistance Company.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

13

Beacon America incl US
Azimuth Risk Solutions, LLC

Medical Evacuation & Repatriation Benefits
Included in Emergency Medical $60,000 per person

Quote

Full Policy Wording

32.1 Emergency Medical Evacuation — The Scheme Administrator will arrange Emergency Medical Evacuation only to the nearest Hospital that is qualified to provide the Medically Necessary Treatment to prevent the Participating Member’s loss of life. The Scheme Administrator will use its best efforts to arrange with independent, third-party contractors any Emergency Medical Evacuation within the least amount of time reasonably possible. The Participating Member understands and agrees that the timeliness, duration and outcome of an Emergency Medical Evacuation can be affected by events and/or circumstances that are not within the direct control of the Scheme Administrator, which would include, but not limited to, availability and performance of competent transportation equipment and staff; delays or restrictions on flights or other modes of transportation caused by mechanical problems, government officials, telecommunications problems, and/or geographical and weather conditions. The Participating Member agrees to hold the Scheme Administrator, its agents and representatives harmless from, and agrees that the Scheme Administrator, its agents and representatives shall not be held liable for, any delays, losses, damages or other claims that arise from or are caused by the acts or omissions of such independent third-party contractors, or that arise from or are caused by any acts, omissions, events or circumstances that are not within the direct and immediate control of the Scheme Administrator and/or its authorized agents and representatives, which would include, without limitation, the events and circumstances set forth above. The Scheme Administrator will reimburse the Participating Member for the following Expenses Incurred by the Participating Member arising out of or in connection with an Emergency Medical Evacuation occurring while the Evidence of Insurance is in effect. Subject to the Maximum Limit set forth in the Schedule of Benefits/Limits and the other Terms of this insurance, which would include the Conditions and Restrictions set forth below:

32.1.1 Emergency air transportation to a suitable airport nearest to the Hospital where the

32.1.2 Emergency ground transportation necessarily preceding Emergency air transportation Participating Member will receive treatment; and and from the destination airport to the Hospital where the Participating Member will receive treatment; and

32.1.3 The Participating Member must be in compliance with all Terms of this insurance; and

32.1.4 The Scheme Administrator will provide Emergency Medical Evacuation Benefits only

32.1.5 Medically Necessary Treatment cannot be provided locally to prevent Participating

32.1.6 Transportation by any other method would result in loss of the Participating Member’s

32.1.7 Emergency Medical Evacuation is recommended by the attending Physician who

32.1.8 Emergency Medical Evacuation is agreed to by the Participating Member or

32.1.9 Emergency Medical Evacuation is approved in advance and all arrangements are

32.1.10 The Illness or Injury giving rise to the Emergency Medical Evacuation occurred suddenly when the Illness or Injury giving rise to the Emergency Medical Evacuation is covered under the Terms of this insurance, except when provided under the Sudden Onset of Pre-existing condition; and Member(s) loss of life; and life; and certifies to the matters in subsections 32.1.5 and 32.1.6 above; and a Relative of the Participating Member; and coordinated by the Scheme Administrator; and and/or spontaneously, and without: (i) advance warning, (ii) advance treatment, diagnosis or recommendation for treatment by a Physician, or (iii) prior manifestation of symptoms or conditions that would have caused a prudent person to seek medical attention prior to the onset of the Emergency; and

32.3 Emergency Reunion — Subject to the Terms of this insurance, Eligible Medical Expenses will be reimbursed up to $50,000 to the Participating Member as outlined in the Schedule of Benefits/Limits in cases where there has been an Emergency Medical Evacuation covered under the Terms of this insurance. Subject to the Deductible and Coinsurance and other limits as specified in the Schedule of Benefits/Limits, and subject to the Conditions and Restrictions set forth below the following Expenses Incurred in respect of travel by a Relative or friend of the Participating Member will be reimbursable to the Participating Member upon the recommendation and prior approval of the Scheme Administrator:

32.3.1 The cost of an economy air ticket for one Relative or friend to the airport serving the area where the Participating Member is Hospitalized as a result of the Emergency Evacuation or is to be Hospitalized as a result of the Emergency Medical Evacuation, and return from either of such locations to the point of their original departure; and

32.3.2 Reasonable and necessary travel, meals (Maximum of $25 per day), transportation, and accommodation Expenses Incurred in relation to the Emergency Reunion (but excluding entertainment).

32.4 Conditions and Restrictions:

32.4.1 The period of coverage for the Emergency Reunion shall not exceed fifteen (15) days, which would include travel days; and

32.4.2 The Emergency Reunion must be due to an Emergency Medical Evacuation covered under the Terms of this insurance; and

32.4.3 The attending Physician must deem the illness or injury as a threat to the Participating Members life and recommends the presence of a Relative or friend to either the location where the Participating Member is being evacuated from or the destination of the evacuation, whichever is considered by the attending Physician and the Scheme Administrator to be the more reasonable; and

32.4.4 All Emergency Reunion travel, transportation and accommodation arrangements, and Benefits must be coordinated and approved in advance by the Scheme Administrator in order to be eligible for coverage under this insurance.

32.5 Return Of Mortal Remains — In the event of the Death of the Participating Member as a result of an Illness or Injury covered under this insurance while the Participating Member is outside of his/her Home Country, the Scheme Administrator will reimburse the estate of the Participating Member up to $50,000 for the return of the Participating Member’s Mortal Remains to his/her Home Country (but not which would include any costs of burial); provided, however, that the Scheme Administrator must coordinate and approve all costs related to the return of the Participating Member’s Mortal Remains in advance as a condition to this benefit. The Scheme Administrator will use their best efforts to arrange the timely return of the Participating Member’s Mortal Remains. The Participating Member and his/her heirs understand that the timeliness of the Return of Mortal Remains can be affected by circumstances which are not within the control of the Scheme Administrator such as, but not limited to the availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems or weather. The Participating Member, and his/her heirs, agree to hold the Scheme Administrator and Underwriters harmless and shall not be held liable for any delays, which are not within their direct and immediate control. The Scheme Administrator and Underwriters are held harmless and shall not be held liable for loss of or any damage or other impairment to bodily remains incurred during the transport process or otherwise.

14

Beacon International excl US
Azimuth Risk Solutions, LLC

Medical Evacuation & Repatriation Benefits
Included in Emergency Medical $60,000 per person

Quote

Full Policy Wording

32.1 Emergency Medical Evacuation — The Scheme Administrator will arrange Emergency Medical Evacuation only to the nearest Hospital that is qualified to provide the Medically Necessary Treatment to prevent the Participating Member’s loss of life. The Scheme Administrator will use its best efforts to arrange with independent, third-party contractors any Emergency Medical Evacuation within the least amount of time reasonably possible. The Participating Member understands and agrees that the timeliness, duration and outcome of an Emergency Medical Evacuation can be affected by events and/or circumstances that are not within the direct control of the Scheme Administrator, which would include, but not limited to, availability and performance of competent transportation equipment and staff; delays or restrictions on flights or other modes of transportation caused by mechanical problems, government officials, telecommunications problems, and/or geographical and weather conditions. The Participating Member agrees to hold the Scheme Administrator, its agents and representatives harmless from, and agrees that the Scheme Administrator, its agents and representatives shall not be held liable for, any delays, losses, damages or other claims that arise from or are caused by the acts or omissions of such independent third-party contractors, or that arise from or are caused by any acts, omissions, events or circumstances that are not within the direct and immediate control of the Scheme Administrator and/or its authorized agents and representatives, which would include, without limitation, the events and circumstances set forth above. The Scheme Administrator will reimburse the Participating Member for the following Expenses Incurred by the Participating Member arising out of or in connection with an Emergency Medical Evacuation occurring while the Evidence of Insurance is in effect. Subject to the Maximum Limit set forth in the Schedule of Benefits/Limits and the other Terms of this insurance, which would include the Conditions and Restrictions set forth below:

32.1.1 Emergency air transportation to a suitable airport nearest to the Hospital where the

32.1.2 Emergency ground transportation necessarily preceding Emergency air transportation Participating Member will receive treatment; and and from the destination airport to the Hospital where the Participating Member will receive treatment; and

32.1.3 The Participating Member must be in compliance with all Terms of this insurance; and

32.1.4 The Scheme Administrator will provide Emergency Medical Evacuation Benefits only

32.1.5 Medically Necessary Treatment cannot be provided locally to prevent Participating

32.1.6 Transportation by any other method would result in loss of the Participating Member’s

32.1.7 Emergency Medical Evacuation is recommended by the attending Physician who

32.1.8 Emergency Medical Evacuation is agreed to by the Participating Member or

32.1.9 Emergency Medical Evacuation is approved in advance and all arrangements are

32.1.10 The Illness or Injury giving rise to the Emergency Medical Evacuation occurred suddenly when the Illness or Injury giving rise to the Emergency Medical Evacuation is covered under the Terms of this insurance, except when provided under the Sudden Onset of Pre-existing condition; and Member(s) loss of life; and life; and certifies to the matters in subsections 32.1.5 and 32.1.6 above; and a Relative of the Participating Member; and coordinated by the Scheme Administrator; and and/or spontaneously, and without: (i) advance warning, (ii) advance treatment, diagnosis or recommendation for treatment by a Physician, or (iii) prior manifestation of symptoms or conditions that would have caused a prudent person to seek medical attention prior to the onset of the Emergency; and

32.3 Emergency Reunion — Subject to the Terms of this insurance, Eligible Medical Expenses will be reimbursed up to $50,000 to the Participating Member as outlined in the Schedule of Benefits/Limits in cases where there has been an Emergency Medical Evacuation covered under the Terms of this insurance. Subject to the Deductible and Coinsurance and other limits as specified in the Schedule of Benefits/Limits, and subject to the Conditions and Restrictions set forth below the following Expenses Incurred in respect of travel by a Relative or friend of the Participating Member will be reimbursable to the Participating Member upon the recommendation and prior approval of the Scheme Administrator:

32.3.1 The cost of an economy air ticket for one Relative or friend to the airport serving the area where the Participating Member is Hospitalized as a result of the Emergency Evacuation or is to be Hospitalized as a result of the Emergency Medical Evacuation, and return from either of such locations to the point of their original departure; and

32.3.2 Reasonable and necessary travel, meals (Maximum of $25 per day), transportation, and accommodation Expenses Incurred in relation to the Emergency Reunion (but excluding entertainment).

32.4 Conditions and Restrictions:

32.4.1 The period of coverage for the Emergency Reunion shall not exceed fifteen (15) days, which would include travel days; and

32.4.2 The Emergency Reunion must be due to an Emergency Medical Evacuation covered under the Terms of this insurance; and

32.4.3 The attending Physician must deem the illness or injury as a threat to the Participating Members life and recommends the presence of a Relative or friend to either the location where the Participating Member is being evacuated from or the destination of the evacuation, whichever is considered by the attending Physician and the Scheme Administrator to be the more reasonable; and

32.4.4 All Emergency Reunion travel, transportation and accommodation arrangements, and Benefits must be coordinated and approved in advance by the Scheme Administrator in order to be eligible for coverage under this insurance.

32.5 Return Of Mortal Remains — In the event of the Death of the Participating Member as a result of an Illness or Injury covered under this insurance while the Participating Member is outside of his/her Home Country, the Scheme Administrator will reimburse the estate of the Participating Member up to $50,000 for the return of the Participating Member’s Mortal Remains to his/her Home Country (but not which would include any costs of burial); provided, however, that the Scheme Administrator must coordinate and approve all costs related to the return of the Participating Member’s Mortal Remains in advance as a condition to this benefit. The Scheme Administrator will use their best efforts to arrange the timely return of the Participating Member’s Mortal Remains. The Participating Member and his/her heirs understand that the timeliness of the Return of Mortal Remains can be affected by circumstances which are not within the control of the Scheme Administrator such as, but not limited to the availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems or weather. The Participating Member, and his/her heirs, agree to hold the Scheme Administrator and Underwriters harmless and shall not be held liable for any delays, which are not within their direct and immediate control. The Scheme Administrator and Underwriters are held harmless and shall not be held liable for loss of or any damage or other impairment to bodily remains incurred during the transport process or otherwise.

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

15

ExactCare
Berkshire Hathaway Travel Protection

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

EMERGENCY EVACUATION and REPATRIATION OF REMAINS

The Company will pay for Covered Emergency Evacuation Expenses incurred due to an Insured’s Injury or Sickness that occurs while he or she is on a Trip. Benefits payable are subject to the Maximum Limit shown in the Schedule or Declarations Page for all Emergency Evacuations due to all Injuries from the same accident or all Sicknesses from the same or related causes during an overnight Trip with a Destination of at least 100 miles from the Insured’s Primary Residence.

Covered Emergency Evacuation Expenses are the Reasonable and Customary Charges for necessary Transportation, related medical services and medical supplies incurred in connection with the Emergency Evacuation of the Insured. All Transportation arrangements made for evacuating the Insured must be by the most direct and economical route possible and required by the standard regulations of the conveyance transporting the Insured.

Expenses for Transportation must be:

(a) ordered by the onsite attending Physician who must certify that the severity of the Insured’s Injury or Sickness warrants his or her Emergency Evacuation and adequate medical treatment is not locally available; and

(b) authorized in advance by Berkshire Hathaway Travel Protection.In the event the Insured’s Injury or Sickness prevents prior authorization of the Emergency Evacuation, Berkshire Hathaway Travel Protection must be notified as soon as reasonably possible.

The Company will also pay a benefit for reasonable and customary expenses incurred for an escort’s transportation and accommodations subject to the Escort Maximum Limit shown in the Schedule or Declarations Page if an onsite attending Physician recommends in writing that an escort accompany the Insured.

Special Limitation: In the event Berkshire Hathaway Travel Protection could not be contacted to arrange for Emergency Evacuation, benefits are limited to the amount the Company would have paid had the Company or its authorized representative been contacted.

Emergency Evacuation – means:

(a) Transportation from the place where the Insured is Injured or sick to the nearest adequate licensed medical facility where appropriate medical treatment can be obtained; and/ or

(b) Transportation from a local medical facility to the nearest adequate licensed medical facility to obtain appropriate medical treatment if the onsite attending Physician certifies that additional Medically Necessary treatment is needed but not locally available; and the Insured is medically able to travel; and/or

c) Transportation to the adequate licensed medical facility nearest the Insured’s home to obtain further medical treatment or to recover, after being treated at a local licensed medical facility, and the onsite attending Physician determines that the Insured is medically able to be transported; or

If the Emergency Evacuation Upgrade is selected and the appropriate cost has been paid, the following will also apply:

(d) Transportation from a licensed medical facility to an adequate licensed medical facility of the Insured’s choice for further Medically Necessary treatment if the onsite attending Physician certifies that the Insured is medically able to travel.

Advanced authorization by Berkshire Hathaway Travel Protection is needed for a), b), c) and d) above.

ADDITIONAL BENEFITS

In addition to the above covered expenses, if the Company has previously evacuated an Insured to a medical facility, the Company will reimburse the Insured his/her airfare costs, less refunds from the Insured’s Unused transportation tickets, from that facility to the Insured’s Return Destination or home, within one year from the Insured’s original Return Date. Airfare costs will be based on medical necessity or same class as the Insured’s original tickets.

If the Insured is hospitalized for more than 7days following a covered Emergency Evacuation, the Company will reimburse the Insured, subject to the limitations set out herein, the expenses for:

1. Return of Children: Return of the Insured’s Children, who were accompanying the Insured when the Injury or Sickness occurred, to the Insured’s residence in the United States, including the cost of an attendant, if necessary. Such expenses shall not exceed the cost of a one-way economy airfare ticket, or same class as the original ticket, less the value of any applied credit from any Unused return travel tickets for each person.

2. Bedside Visit: To bring one person chosen by the Insured to and from the medical facility where the Insured is confined if the Insured is alone. The payment will not exceed the cost of one round-Trip economy airfare ticket. This additional benefit only applies if the Emergency Evacuation Upgrade is purchased.

3. Bedside Traveling Companion: The Company will reimburse the Insured for reasonable expenses incurred for Hotel and meals up to the Per Day Limit shown in the Schedule or Declarations page for the Traveling Companion to remain near the Insured. For an insured Child, a bedside companion is available immediately upon Hospital admission. Receipts must be submitted. Coverage for this benefit ends on the day the Insured is discharged from the hospital. For purposes of this benefit, Traveling Companion means the person is Insured under this plan and accompanies the Insured on the Trip.

REPATRIATION OF REMAINS

The Company will pay Repatriation Covered Expenses up to the Maximum Limit shown in the Schedule of Benefits or Declarations Page to return the Insured’s body to the City of burial if he/she dies during the Trip.

Repatriation Covered Expenses. include, but are not limited to, the reasonable and customary expenses for:

(a) embalming;

(b) cremation,subject to the Cremation Maximum Limit shown in the Schedule or Declarations Page;

c) the most economical coffins or receptacles adequate for transportation of the remains; and

(d) transportation of the remains, by the most direct and economical conveyance and route possible, subject to the Transportation Maximum Limit shown in the Schedule or Declarations Page.

Berkshire Hathaway Travel Protection must make all arrangements and authorize all expenses in advance for this benefit to be payable.

Special Limitation: In the event the Company or the Company’s authorized representative could not be contacted to arrange for Repatriation Covered Expenses, benefits are limited to the amount the Company would have paid had the Company or its authorized representative been contacted.

CSA Travel Protection
CSA Travel Protection

16

Custom
CSA Travel Protection

Medical Evacuation & Repatriation Benefits
$250,000 policy limit

Quote

Full Policy Wording

EMERGENCY ASSISTANCE AND TRANSPORTATION

We will pay this benefit, up to the amount on the Schedule, for the following Covered Expenses incurred by you, subject to the following:

1. Covered Expenses will only be payable at the Usual and Customary level of payment; and

2. Benefits will be payable only for covered expenses listed below resulting from a Sickness that first manifests itself or an Injury that occurs while on a Trip; and

3. Benefits payable as a result of incurred covered expenses will only be paid after benefits have been paid under any Other Valid and Collectible Health Insurance in effect for you. We will pay that portion of covered expenses, which exceeds the amount of benefits payable for such expenses under your Other Valid and Collectible Health Insurance.

Covered Expenses:

1. Expenses incurred by you for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to prior approval by us or our authorized agent;

2. Expenses incurred for non-emergency repatriation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence in the United States of America, when deemed medically necessary by the attending physician, subject to prior approval by us or our authorized agent. In lieu of returning to your place of residence, you may opt to be returned to a different city in the United States if proper care for your condition is not available;

3. Expenses for transportation (not to exceed the cost of one round-trip economy-class air fare, to the place of hospitalization), and expenses for reasonable hotel accommodations, meals, telephone calls and local transportation for one person chosen by you up to the amount in the Schedule, provided that you are traveling alone and are hospitalized for more than 7 days;

4. Expenses for transportation, not to exceed the cost of one-way economy-class air fare, to your place of residence in the United States of America, including escort expenses, if you are 17 years of age or younger and left unattended due to the death or hospitalization of an accompanying adult(s), subject to prior approval by us or our authorized agent;

5. Expenses for one-way economy-class air fare (or first class, if your original tickets were first class) to your place of residence in the United States of America, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the plan;

6. Repatriation expenses for preparation and air transportation of your remains to your place of residence or a funeral home in the United States of America, or up to an equivalent amount for a local burial in the country where death occurred, if you die while outside the United States of America.

GeoBlue
GeoBlue

17

Voyager Choice
GeoBlue

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

Repatriation of Remains Benefit

If an Insured Person dies, while traveling outside of his/her home country, the Insurer will pay the necessary expenses actually incurred, up to the Maximum Limit shown in the Schedule of Benefits, for the preparation of the body for burial, or the cremation, and for the transportation of the remains to his/her Home Country. This benefit covers the legal minimum requirements for the transportation of the remains. It does not include the transportation of anyone accompanying the body, urns, caskets, coffins, visitation, burial or funeral expenses. Any expense for repatriation of remains requires approval in advance by the Plan Administrator.

No benefit is payable if the death occurs after the Termination Date of the Policy. However, if the Insured Person is Hospital Confined on the Termination Date, eligibility for this benefit continues until the earlier of the date the Insured Person’s Confinement ends or 31 days after the Termination Date. The Insurer will not pay any claims under this provision unless the expense has been approved by the Administrator before the body is prepared for transportation.

The benefit for all necessary repatriation services is listed in the Overview Matrix.

Medical Evacuation Benefit

If an Insured Person is involved in an accident or suffers a sudden, unforeseen illness requiring emergency medical services, while traveling outside of his/her home country, the Administrator will coordinate and pay for a medically-supervised evacuation, up to the Maximum Limit shown in the Schedule of Benefits, to the nearest appropriate medical facility. This medically-supervised evacuation will be to the nearest medical facility only if the facility is capable of providing adequate care and if adequate care is not available locally and the Injury or Sickness requires immediate emergency medical treatment, without which there would be a significant risk of death or serious impairment. The determination of whether a medical condition constitutes an emergency and whether area facilities are capable of providing adequate medical care shall be made by physicians designated by the Administrator after consultation with the attending physician on the Insured Person’s medical conditions. The decision of these designated physicians shall be conclusive in determining the need for medical evacuation services. Transportation shall not be considered medically necessary if the physician designated by the Administrator determines that the Insured Person can continue his/her trip or can use the original transportation arrangements that he/she purchased. Only one transport is covered in connection with one course of an illness or accident.

The Insurer will pay Reasonable Charges for escort services if the Insured Person is a minor or if the Insured Person is disabled during a trip and an escort is recommended in writing by the attending Physician and approved by the Insurer.

As part of a medical evacuation, the Administrator shall also make all necessary arrangements for ground transportation to and from the hospital, as well as pre-admission arrangements, where possible, at the receiving hospital.

Following stabilization, when medically necessary and subject to the Administrator’s prior approval, the Insurer will pay for a medically supervised return to the Insured Person’s permanent residence or, if appropriate, to a health care facility nearer to their permanent residence or for one-way economy airfare to the Insured Person’s point of origin, if necessary. Transportation shall not be considered medically necessary if the physician designated by the Administrator determines that the Insured Person can continue his/her trip or can use the original transportation arrangements that he/she purchased.

All evacuations must be approved and coordinated by Administrator designated physicians. Transportation must be by the most direct and economical route.

With respect to this provision only, the following is in lieu of the Policy’s Extension of Benefits provision: No benefits are payable for Covered Expenses incurred after the date the Insured Person’s insurance under the Policy terminates.

The combined benefit for all necessary evacuation services is listed in the Overview Matrix.

Bedside Visit Benefit

If an Insured Person is Hospital Confined due to an Injury or Sickness for more than 7 days, is likely to be hospitalized for more than 7 days or is in critical condition, while traveling outside of his/her home country, the Insurer will pay up to the maximum benefit as listed in Table 1 of the Schedule of Benefits for the cost of one economy round trip air fare ticket to, and the hotel accommodations in, the place of the Hospital Confinement for one person designated by the Insured Person. Payment for meals, ground transportation and other incidentals are the responsibility of the family member or friend.

With respect to any one trip, this benefit is payable only once for that trip, regardless of the number of Insured Persons on that trip. The determination of whether the Covered Member will be hospitalized for more than 7 days or is in critical condition shall be made by the Administrator after consultation with the attending physician. No benefits are payable unless the trip is approved in advance by the Plan Administrator.

The benefit for all Bedside Visits is listed in the Overview Matrix.

18

Voyager Essential
GeoBlue

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

Repatriation of Remains

Benefit If an Insured Person dies, while traveling outside of his/her home country, the Insurer will pay the necessary expenses actually incurred, up to the Maximum Limit shown in the Schedule of Benefits, for the preparation of the body for burial, or the cremation, and for the transportation of the remains to his/her Home Country. This benefit covers the legal minimum requirements for the transportation of the remains. It does not include the transportation of anyone accompanying the body, urns, caskets, coffins, visitation, burial or funeral expenses. Any expense for repatriation of remains requires approval in advance by the Plan Administrator.

No benefit is payable if the death occurs after the Termination Date of the Policy. However, if the Insured Person is Hospital Confined on the Termination Date, eligibility for this benefit continues until the earlier of the date the Insured Person’s Confinement ends or 31 days after the Termination Date. The Insurer will not pay any claims under this provision unless the expense has been approved by the Administrator before the body is prepared for transportation.

The benefit for all necessary repatriation services is listed in the Overview Matrix.

Medical Evacuation Benefit

If an Insured Person is involved in an accident or suffers a sudden, unforeseen illness requiring emergency medical services, while traveling outside of his/her home country, the Administrator will coordinate and pay for a medically-supervised evacuation, up to the Maximum Limit shown in the Schedule of Benefits, to the nearest appropriate medical facility. This medically-supervised evacuation will be to the nearest medical facility only if the facility is capable of providing adequate care and if adequate care is not available locally and the Injury or Sickness requires immediate emergency medical treatment, without which there would be a significant risk of death or serious impairment. The determination of whether a medical condition constitutes an emergency and whether area facilities are capable of providing adequate medical care shall be made by physicians designated by the Administrator after consultation with the attending physician on the Insured Person’s medical conditions. The decision of these designated physicians shall be conclusive in determining the need for medical evacuation services. Transportation shall not be considered medically necessary if the physician designated by the Administrator determines that the Insured Person can continue his/her trip or can use the original transportation arrangements that he/she purchased. Only one transport is covered in connection with one course of an illness or accident.

The Insurer will pay Reasonable Charges for escort services if the Insured Person is a minor or if the Insured Person is disabled during a trip and an escort is recommended in writing by the attending Physician and approved by the Insurer.

As part of a medical evacuation, the Administrator shall also make all necessary arrangements for ground transportation to and from the hospital, as well as pre-admission arrangements, where possible, at the receiving hospital.

Following stabilization, when medically necessary and subject to the Administrator’s prior approval, the Insurer will pay for a medically supervised return to the Insured Person’s permanent residence or, if appropriate, to a health care facility nearer to their permanent residence or for one-way economy airfare to the Insured Person’s point of origin, if necessary. Transportation shall not be considered medically necessary if the physician designated by the Administrator determines that the Insured Person can continue his/her trip or can use the original transportation arrangements that he/she purchased.

All evacuations must be approved and coordinated by Administrator designated physicians. Transportation must be by the most direct and economical route.

With respect to this provision only, the following is in lieu of the Policy’s Extension of Benefits provision: No benefits are payable for Covered Expenses incurred after the date the Insured Person’s insurance under the Policy terminates.

The combined benefit for all necessary evacuation services is listed in the Overview Matrix.

Bedside Visit Benefit

If an Insured Person is Hospital Confined due to an Injury or Sickness for more than 7 days, is likely to be hospitalized for more than 7 days or is in critical condition, while traveling outside of his/her home country, the Insurer will pay up to the maximum benefit as listed in Table 1 of the Schedule of Benefits for the cost of one economy round trip air fare ticket to, and the hotel accommodations in, the place of the Hospital Confinement for one person designated by the Insured Person. Payment for meals, ground transportation and other incidentals are the responsibility of the family member or friend.

With respect to any one trip, this benefit is payable only once for that trip, regardless of the number of Insured Persons on that trip. The determination of whether the Covered Member will be hospitalized for more than 7 days or is in critical condition shall be made by the Administrator after consultation with the attending physician. No benefits are payable unless the trip is approved in advance by the Plan Administrator.

The benefit for all Bedside Visits is listed in the Overview Matrix.

19

Trekker Choice excl US
GeoBlue

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

Repatriation of Remains

Benefit If an Insured Person dies, while traveling outside of his/her home country, the Insurer will pay the necessary expenses actually incurred, up to the Maximum Limit shown in the Schedule of Benefits, for the preparation of the body for burial, or the cremation, and for the transportation of the remains to his/her Home Country. This benefit covers the legal minimum requirements for the transportation of the remains. It does not include the transportation of anyone accompanying the body, urns, caskets, coffins, visitation, burial or funeral expenses. Any expense for repatriation of remains requires approval in advance by the Plan Administrator.

No benefit is payable if the death occurs after the Termination Date of the Policy. However, if the Insured Person is Hospital Confined on the Termination Date, eligibility for this benefit continues until the earlier of the date the Insured Person’s Confinement ends or 31 days after the Termination Date. The Insurer will not pay any claims under this provision unless the expense has been approved by the Administrator before the body is prepared for transportation.

The benefit for all necessary repatriation services is listed in the Overview Matrix.

Medical Evacuation Benefit

If an Insured Person is involved in an accident or suffers a sudden, unforeseen illness requiring emergency medical services, while traveling outside of his/her home country, the Administrator will coordinate and pay for a medically-supervised evacuation, up to the Maximum Limit shown in the Schedule of Benefits, to the nearest appropriate medical facility. This medically-supervised evacuation will be to the nearest medical facility only if the facility is capable of providing adequate care and if adequate care is not available locally and the Injury or Sickness requires immediate emergency medical treatment, without which there would be a significant risk of death or serious impairment. The determination of whether a medical condition constitutes an emergency and whether area facilities are capable of providing adequate medical care shall be made by physicians designated by the Administrator after consultation with the attending physician on the Insured Person’s medical conditions. The decision of these designated physicians shall be conclusive in determining the need for medical evacuation services. Transportation shall not be considered medically necessary if the physician designated by the Administrator determines that the Insured Person can continue his/her trip or can use the original transportation arrangements that he/she purchased. Only one transport is covered in connection with one course of an illness or accident.

The Insurer will pay Reasonable Charges for escort services if the Insured Person is a minor or if the Insured Person is disabled during a trip and an escort is recommended in writing by the attending Physician and approved by the Insurer.

As part of a medical evacuation, the Administrator shall also make all necessary arrangements for ground transportation to and from the hospital, as well as pre-admission arrangements, where possible, at the receiving hospital.

Following stabilization, when medically necessary and subject to the Administrator’s prior approval, the Insurer will pay for a medically supervised return to the Insured Person’s permanent residence or, if appropriate, to a health care facility nearer to their permanent residence or for one-way economy airfare to the Insured Person’s point of origin, if necessary. Transportation shall not be considered medically necessary if the physician designated by the Administrator determines that the Insured Person can continue his/her trip or can use the original transportation arrangements that he/she purchased.

All evacuations must be approved and coordinated by Administrator designated physicians. Transportation must be by the most direct and economical route.

With respect to this provision only, the following is in lieu of the Policy’s Extension of Benefits provision: No benefits are payable for Covered Expenses incurred after the date the Insured Person’s insurance under the Policy terminates. The combined benefit for all necessary evacuation services is listed in the Overview Matrix. Bedside Visit Benefit If an Insured Person is Hospital Confined due to an Injury or Sickness for more than 7 days, is likely to be hospitalized for more than 7 days or is in critical condition, while traveling outside of his/her home country, the Insurer will pay up to the maximum benefit as listed in Table 1 of the Schedule of Benefits for the cost of one economy round trip air fare ticket to, and the hotel accommodations in, the place of the Hospital Confinement for one person designated by the Insured Person. Payment for meals, ground transportation and other incidentals are the responsibility of the family member or friend. With respect to any one trip, this benefit is payable only once for that trip, regardless of the number of Insured Persons on that trip. The determination of whether the Covered Member will be hospitalized for more than 7 days or is in critical condition shall be made by the Administrator after consultation with the attending physician. No benefits are payable unless the trip is approved in advance by the Plan Administrator.

The benefit for all Bedside Visits is listed in the Overview Matrix.

20

Trekker Essential excl US
GeoBlue

Medical Evacuation & Repatriation Benefits
$250,000 per person

Quote

Full Policy Wording

Repatriation of Remains Benefit

If an Insured Person dies, while traveling outside of his/her home country, the Insurer will pay the necessary expenses actually incurred, up to the Maximum Limit shown in the Schedule of Benefits, for the preparation of the body for burial, or the cremation, and for the transportation of the remains to his/her Home Country. This benefit covers the legal minimum requirements for the transportation of the remains. It does not include the transportation of anyone accompanying the body, urns, caskets, coffins, visitation, burial or funeral expenses. Any expense for repatriation of remains requires approval in advance by the Plan Administrator.

No benefit is payable if the death occurs after the Termination Date of the Policy. However, if the Insured Person is Hospital Confined on the Termination Date, eligibility for this benefit continues until the earlier of the date the Insured Person’s Confinement ends or 31 days after the Termination Date. The Insurer will not pay any claims under this provision unless the expense has been approved by the Administrator before the body is prepared for transportation.

The benefit for all necessary repatriation services is listed in the Overview Matrix.

Medical Evacuation Benefit

If an Insured Person is involved in an accident or suffers a sudden, unforeseen illness requiring emergency medical services, while traveling outside of his/her home country, the Administrator will coordinate and pay for a medically-supervised evacuation, up to the Maximum Limit shown in the Schedule of Benefits, to the nearest appropriate medical facility. This medically-supervised evacuation will be to the nearest medical facility only if the facility is capable of providing adequate care and if adequate care is not available locally and the Injury or Sickness requires immediate emergency medical treatment, without which there would be a significant risk of death or serious impairment. The determination of whether a medical condition constitutes an emergency and whether area facilities are capable of providing adequate medical care shall be made by physicians designated by the Administrator after consultation with the attending physician on the Insured Person’s medical conditions. The decision of these designated physicians shall be conclusive in determining the need for medical evacuation services. Transportation shall not be considered medically necessary if the physician designated by the Administrator determines that the Insured Person can continue his/her trip or can use the original transportation arrangements that he/she purchased. Only one transport is covered in connection with one course of an illness or accident.

The Insurer will pay Reasonable Charges for escort services if the Insured Person is a minor or if the Insured Person is disabled during a trip and an escort is recommended in writing by the attending Physician and approved by the Insurer.

As part of a medical evacuation, the Administrator shall also make all necessary arrangements for ground transportation to and from the hospital, as well as pre-admission arrangements, where possible, at the receiving hospital.

Following stabilization, when medically necessary and subject to the Administrator’s prior approval, the Insurer will pay for a medically supervised return to the Insured Person’s permanent residence or, if appropriate, to a health care facility nearer to their permanent residence or for one-way economy airfare to the Insured Person’s point of origin, if necessary. Transportation shall not be considered medically necessary if the physician designated by the Administrator determines that the Insured Person can continue his/her trip or can use the original transportation arrangements that he/she purchased.

All evacuations must be approved and coordinated by Administrator designated physicians. Transportation must be by the most direct and economical route.

With respect to this provision only, the following is in lieu of the Policy’s Extension of Benefits provision: No benefits are payable for Covered Expenses incurred after the date the Insured Person’s insurance under the Policy terminates.

The combined benefit for all necessary evacuation services is listed in the Overview Matrix.

Bedside Visit

Benefit If an Insured Person is Hospital Confined due to an Injury or Sickness for more than 7 days, is likely to be hospitalized for more than 7 days or is in critical condition, while traveling outside of his/her home country, the Insurer will pay up to the maximum benefit as listed in Table 1 of the Schedule of Benefits for the cost of one economy round trip air fare ticket to, and the hotel accommodations in, the place of the Hospital Confinement for one person designated by the Insured Person. Payment for meals, ground transportation and other incidentals are the responsibility of the family member or friend.

With respect to any one trip, this benefit is payable only once for that trip, regardless of the number of Insured Persons on that trip. The determination of whether the Covered Member will be hospitalized for more than 7 days or is in critical condition shall be made by the Administrator after consultation with the attending physician. No benefits are payable unless the trip is approved in advance by the Plan Administrator.

The benefit for all Bedside Visits is listed in the Overview Matrix.

Global Alert
Global Alert

21

Essentials
Global Alert

Medical Evacuation & Repatriation Benefits
$100,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION

We will pay, subject to the limitations set out herein, for Covered Emergency Medical Evacuation expenses reasonably incurred if You suffer an Accidental Injury or Emergency Sickness that warrants Your Emergency Medical Evacuation while You are on a Covered Trip. Benefits payable are subject to the Maximum Benefit per Insured shown on the Schedule of Benefits for all Emergency Medical Evacuations due to all injuries from the same Accident or all Emergency Sickness from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Medical Evacuation and must certify that the severity of Your Accidental Injury or Emergency Sickness warrants Your Emergency Medical Evacuation to Your Hospital of choice. The Assistance Company or We must review and approve the necessity of the Emergency Medical Evacuation based on the inadequacy of local medical facilities. The Emergency Medical Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Medical Evacuation expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Medical Evacuation. Expenses for Transportation must be: (a) recommended by the attending Physician; and (b) required by the standard regulations of the conveyance transporting You; and © reviewed and pre-approved by the Assistance Company.

We will also pay Reasonable and Customary expenses, for escort expenses required by You, if You are disabled during a Covered Trip and an escort is recommended in writing by an attending Physician and such expenses are pre-approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Medical Evacuation, We will pay, subject to the limitations set out herein, for expenses:

(a) to return to the United States where You reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Accidental Injury or Emergency Sickness occurred and were left alone. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel tickets per person;

(b) to bring 1 person chosen by You to and from the Hospital or other medical facility where You are confined if You are alone, but not to exceed the cost of 1 round-trip economy airfare ticket.

In addition to the above Covered Expenses, if We have previously evacuated You to a medical facility, We will pay Your airfare costs from that facility to Your primary residence, within 1 year from Your original Scheduled Return Date, less refunds from Your unused Transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the Policy.

REPATRIATION OF REMAINS

We will pay the reasonable Covered Expenses incurred to return Your body to Your primary residence if You die during the Covered Trip. No payment will exceed the maximum shown on the Schedule of Benefits.

Covered Expenses include: The collection of the body of the deceased; the transfer of the body to a professional funeral home; embalming and preparation of the body or cremation if so desired; standard shipping casket; any required consular proceedings; the transfer of the casket to the airport and boarding of the casket onto the plane; any required permits and corresponding airfare; and the transfer of the deceased to its final destination. All Covered Expenses must be approved in advance by the Assistance Company.

22

Preferred
Global Alert

Medical Evacuation & Repatriation Benefits
$250,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION

We will pay, subject to the limitations set out herein, for Covered Emergency Medical Evacuation expenses reasonably incurred if You suffer an Accidental Injury or Emergency Sickness that warrants Your Emergency Medical Evacuation while You are on a Covered Trip. Benefits payable are subject to the Maximum Benefit per Insured shown on the Schedule of Benefits for all Emergency Medical Evacuations due to all injuries from the same Accident or all Emergency Sickness from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Medical Evacuation and must certify that the severity of Your Accidental Injury or Emergency Sickness warrants Your Emergency Medical Evacuation to Your Hospital of choice. The Assistance Company or We must review and approve the necessity of the Emergency Medical Evacuation based on the inadequacy of local medical facilities. The Emergency Medical Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Medical Evacuation expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Medical Evacuation. Expenses for Transportation must be: (a) recommended by the attending Physician; and (b) required by the standard regulations of the conveyance transporting You; and © reviewed and pre-approved by the Assistance Company.

We will also pay Reasonable and Customary expenses, for escort expenses required by You, if You are disabled during a Covered Trip and an escort is recommended in writing by an attending Physician and such expenses are pre-approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Medical Evacuation, We will pay, subject to the limitations set out herein, for expenses:

(a) to return to the United States where You reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Accidental Injury or Emergency Sickness occurred and were left alone. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel tickets per person;

(b) to bring 1 person chosen by You to and from the Hospital or other medical facility where You are confined if You are alone, but not to exceed the cost of 1 round-trip economy airfare ticket.

In addition to the above Covered Expenses, if We have previously evacuated You to a medical facility, We will pay Your airfare costs from that facility to Your primary residence, within 1 year from Your original Scheduled Return Date, less refunds from Your unused Transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the Policy.

REPATRIATION OF REMAINS

We will pay the reasonable Covered Expenses incurred to return Your body to Your primary residence if You die during the Covered Trip. No payment will exceed the maximum shown on the Schedule of Benefits.

Covered Expenses include: The collection of the body of the deceased; the transfer of the body to a professional funeral home; embalming and preparation of the body or cremation if so desired; standard shipping casket; any required consular proceedings; the transfer of the casket to the airport and boarding of the casket onto the plane; any required permits and corresponding airfare; and the transfer of the deceased to its final destination. All Covered Expenses must be approved in advance by the Assistance Company.

23

Preferred Plus
Global Alert

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION

We will pay, subject to the limitations set out herein, for Covered Emergency Medical Evacuation expenses reasonably incurred if You suffer an Accidental Injury or Emergency Sickness that warrants Your Emergency Medical Evacuation while You are on a Covered Trip. Benefits payable are subject to the Maximum Benefit per Insured shown on the Schedule of Benefits for all Emergency Medical Evacuations due to all injuries from the same Accident or all Emergency Sickness from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Medical Evacuation and must certify that the severity of Your Accidental Injury or Emergency Sickness warrants Your Emergency Medical Evacuation to Your Hospital of choice. The Assistance Company or We must review and approve the necessity of the Emergency Medical Evacuation based on the inadequacy of local medical facilities. The Emergency Medical Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Medical Evacuation expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Medical Evacuation. Expenses for Transportation must be: (a) recommended by the attending Physician; and (b) required by the standard regulations of the conveyance transporting You; and © reviewed and pre-approved by the Assistance Company.

We will also pay Reasonable and Customary expenses, for escort expenses required by You, if You are disabled during a Covered Trip and an escort is recommended in writing by an attending Physician and such expenses are pre-approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Medical Evacuation, We will pay, subject to the limitations set out herein, for expenses:

(a) to return to the United States where You reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Accidental Injury or Emergency Sickness occurred and were left alone. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel tickets per person;

(b) to bring 1 person chosen by You to and from the Hospital or other medical facility where You are confined if You are alone, but not to exceed the cost of 1 round-trip economy airfare ticket.

In addition to the above Covered Expenses, if We have previously evacuated You to a medical facility, We will pay Your airfare costs from that facility to Your primary residence, within 1 year from Your original Scheduled Return Date, less refunds from Your unused Transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the Policy.

REPATRIATION OF REMAINS

We will pay the reasonable Covered Expenses incurred to return Your body to Your primary residence if You die during the Covered Trip. No payment will exceed the maximum shown on the Schedule of Benefits.

Covered Expenses include: The collection of the body of the deceased; the transfer of the body to a professional funeral home; embalming and preparation of the body or cremation if so desired; standard shipping casket; any required consular proceedings; the transfer of the casket to the airport and boarding of the casket onto the plane; any required permits and corresponding airfare; and the transfer of the deceased to its final destination. All Covered Expenses must be approved in advance by the Assistance Company.

HCC Medical Insurance Services
HCC Medical Insurance Services

24

Atlas International excl US
HCC Medical Insurance Services

Medical Evacuation & Repatriation Benefits
$1,000,000 per person

Quote

Full Policy Wording

ELIGIBLE EXPENSESEMERGENCY MEDICAL EVACUATION

1. Emergency air transportation to a suitable airport nearest to the Hospital where the Member will receive treatment; and

2. Emergency ground transportation necessarily preceding Emergency air transportation; and from the destination airport to the Hospital where the Member will receive treatment.

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

a. Medically Necessary treatment, services and supplies cannot be provided locally; and

b Transportation by any other method would result in loss of Member’s life or limb; and

c. Recommended by the attending Physician who certifies to the above; and

d. Agreed upon by the Member or a Relative of the Member; and

e. The condition giving rise to the Emergency Medical Evacuation occurred spontaneously and without advance warning, either in the form of Physician recommendation or symptoms which would have caused a prudent person to seek medical attention prior to the onset of the Emergency.

Underwriters will provide Emergency Medical Evacuation only to the nearest Hospital that is qualified to provide the Medically Necessary treatment, services and supplies to prevent the Member’s loss of life or limb.

Notwithstanding the foregoing, and only for Members visiting the U.S., Underwriters will pay for expenses to return the Member to his/her Home Country if the attending Physician and Underwriters’ medical consultant agree that transfer to the Home Country is more appropriate than transfer to the nearest qualified Hospital.

ELIGIBLE EXPENSESRETURN OF MINOR CHILDREN

1. The cost of a one-way economy air and/or ground transportation ticket for each covered minor child to the terminal serving the area of the Principle Residence of each minor child.
Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy and the following are met:

a) The Member is the only person age 18 or older, traveling with one or more minor children under the age of 18 who are also covered hereunder, and

b) The Member is hospitalized for treatment of a covered Illness or Injury, resulting in the children being left unattended for a period of time expected to exceed 36 hours, and

c) The Return of Minor Children benefit must be agreed upon by the Member age 18 or older and/or by an authorized adult Relative of the affected, covered minor children.

ELIGIBLE EXPENSESREPATRIATION OF REMAINS

1. Air or ground transportation of bodily remains or ashes to the airport or ground transportation terminal nearest to the Principal Residence of the deceased Member; and

2. Reasonable costs of preparation of the remains necessary for transportation.

Underwriters will provide the above benefits only when the Conditions and Restrictions in this policy are met. Further, Underwriters are held harmless and shall not be held liable for loss of or any damage or other impairment to bodily remains incurred during the Repatriation process or otherwise.

ELIGIBLE EXPENSESLOCAL BURIAL OR CREMATION

1. Underwriters will pay for the Member to be buried or cremated in the country of death in lieu of Repatriation of Remains up to the specified benefit maximum.

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

a. Must be approved in advance and coordinated by Underwriters; and

Cannot be used in conjunction with the Emergency Evacuation or Repatriation of Remains benefit and excludes coverage for death in the Member’s Home Country.

ELIGIBLE EXPENSESEMERGENCY REUNION

1. The cost of an economy round-trip air or ground transportation ticket for one Relative of the Member for transportation to the terminal serving the area where the Member is hospitalized or is to be hospitalized following Emergency Medical Evacuation; and

2. Reasonable expenses for lodging and meals for the Relative, which are incurred in the area where the Member is hospitalized for a period not to exceed 15 days.
Underwriters will provide the above benefits only when the Conditions and Restrictions in this policy are met and following an Emergency Medical Evacuation of a Member that is covered hereunder.

ELIGIBLE EXPENSESBEDSIDE VISIT

1. The cost of an economy round-trip air or ground transportation ticket for one Relative of the Member for transportation to the terminal serving the area where the Member is hospitalized or is to be hospitalized,

Underwriters will provide the above benefits only when the Conditions and Restrictions in this policy are met and while the Member is confined to a Hospital Intensive Care Unit following a covered life-threatening bodily Injury or life- threatening Illness.

HTH Travel Insurance
HTH Travel Insurance

25

TravelGap Voyager excl US
HTH Travel Insurance

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

EMERGENCY TRANSPORTATION SERVICES

Medical Evacuation:
If You sustain an Injury or suffer a sudden Sickness while traveling outside the U.S., HTH Worldwide will arrange and pay the Medically Necessary expenses incurred, up to the lifetime Maximum Limit for all medical evacuations shown in the Schedule of Benefits, for a medical evacuation to the nearest Hospital, appropriate medical facility or back to the Your Home Country. Transportation must be by the most direct and economical route. However, before HTH Worldwide makes any arrangement or payment, HTH Worldwide requires written certification by the attending physician that the evacuation is Medically Necessary. HTH Worldwide will arrange and pay for Reasonable Charges for escort services if You are a minor or if You are disabled during the trip and an escort is recommended in writing by the attending physician and approved by the Assistance Company. Any expenses for the medical evacuation require the Assistance Company’s prior approval.

Repatriation of Remains: If an Injury or Sickness results in Your loss of life outside the U.S., the Assistance Company will arrange pay the Reasonable Expenses incurred for cremation or for preparation of the body for burial in, and for transportation of the body to, the Home Country up to the amount shown in the Schedule of Benefits. Any expenses for a Repatriation of Remains require the Assistance Company’s prior approval.

Bedside Visit Benefit: If You are confined to a hospital due to an Injury or Sickness for more than 7 days while traveling outside the U.S., the Assistance Company will arrange and pay up to the maximum amount shown in the Schedule of Benefits for the cost of one economy round trip air fare ticket to the place of the hospital confinement for one person designated by You. No more than one (1) visit may be made during any 12-month period. Any expenses for a Bedside Visit require the Assistance Company’s prior approval.

26

TripProtector Preferred
HTH Travel Insurance

Medical Evacuation & Repatriation Benefits
$1,000,000 per person

Quote

Full Policy Wording

EMERGENCY TRANSPORTATION SERVICES

Medical Evacuation:

If You sustain an Injury or suffer a sudden Sickness while traveling outside the U.S., HTH Worldwide will arrange and pay the Medically Necessary expenses incurred, up to the lifetime Maximum Limit for all medical evacuations shown in the Schedule of Benefits, for a medical evacuation to the nearest Hospital, appropriate medical facility or back to the Your Home Country. Transportation must be by the most direct and economical route. However, before HTH Worldwide makes any arrangement or payment, HTH Worldwide requires written certification by the attending physician that the evacuation is Medically Necessary. HTH Worldwide will arrange and pay for Reasonable Charges for escort services if You are a minor or if You are disabled during the trip and an escort is recommended in writing by the attending physician and approved by the Assistance Company. Any expenses for the medical evacuation require the Assistance Company’s prior approval.

Repatriation of Remains: If an Injury or Sickness results in Your loss of life outside the U.S., the Assistance Company will arrange pay the Reasonable Expenses incurred for cremation or for preparation of the body for burial in, and for transportation of the body to, the Home Country up to the amount shown in the Schedule of Benefits. Any expenses for a Repatriation of Remains require the Assistance Company’s prior approval.

Bedside Visit Benefit: If You are confined to a hospital due to an Injury or Sickness for more than 7 days while traveling outside the U.S., the Assistance Company will arrange and pay up to the maximum amount shown in the Schedule of Benefits for the cost of one economy round trip air fare ticket to the place of the hospital confinement for one person designated by You. No more than one (1) visit may be made during any 12-month period. Any expenses for a Bedside Visit require the Assistance Company’s prior approval.

MEDICAL EVACUATION AND REPATRIATION EXCLUSIONS AND LIMITATIONS:

You must not be disabled from travel at the time You pay the premium and intend to travel;

Suicide, attempted suicide, or any intentionally self-inflicted injuries while sane or insane;

War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;

Participation in any military maneuver or training exercise;

Piloting or learning to pilot or acting as a member of the crew of any aircraft;

While or as a result of riding in any device for aerial navigation;;

Mental or nervous disorders, unless hospitalized;

Participation as a professional in athletics;

Semi-professional or inter-scholastic team sports;

Being under the influence of drugs or intoxicants, unless prescribed by a physician;

Commission or the attempt to commit a criminal act;

Participating in bodily contact sports; skydiving; hang gliding; parachuting; mountaineering; any race; bungee jumping; speed contest; (speed contest shall not include any of the regatta races); spelunking or caving; heli-skiing; extreme skiing;

Pregnancy and childbirth (except for complications of pregnancy);

Hernia unless resulting from an Accidental Injury that occurs during Your Trip;

Traveling for the purpose of securing medical treatment;

Directly or indirectly, the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive material, gas, matter or contamination;

Directly or indirectly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act, regardless of any other cause or event contributing concurrently or in any other sequence thereto;

Care or treatment which is not medically necessary;

Accidental Injury or Sickness when traveling against the advice of a Physician;

Cosmetic surgery except for: reconstructive surgery incidental to or following surgery for trauma, or infection or other covered disease of the part of the body reconstructed, or to treat a congenital malformation of a child;

All transportation benefits provided hereunder must be by the most direct and economical route possible.

The assistance company is not responsible and cannot be held liable for any malpractice performed by a local Physician or attorney who is not an employee of the assistance company; or for any loss or damage to your vehicle during the return of vehicle; or for any loss or damage to any personal belongings.

IMPORTANT: The individual or their representative must contact the assistance company to arrange for any services provided herein. Failure to contact the assistance company and failure to utilize the assistance company to make arrangements for services shall render the expenses ineligible.

27

TravelGap Multi-Trip Silver excl US
HTH Travel Insurance

Medical Evacuation & Repatriation Benefits
$250,000 per person

Quote

Full Policy Wording

EMERGENCY TRANSPORTATION SERVICES

Medical Evacuation:

If You sustain an Injury or suffer a sudden Sickness while traveling outside the U.S., HTH Worldwide will arrange and pay the Medically Necessary expenses incurred, up to the lifetime Maximum Limit for all medical evacuations shown in the Schedule of Benefits, for a medical evacuation to the nearest Hospital, appropriate medical facility or back to the Your Home Country. Transportation must be by the most direct and economical route. However, before HTH Worldwide makes any arrangement or payment, HTH Worldwide requires written certification by the attending physician that the evacuation is Medically Necessary. HTH Worldwide will arrange and pay for Reasonable Charges for escort services if You are a minor or if You are disabled during the trip and an escort is recommended in writing by the attending physician and approved by the Assistance Company. Any expenses for the medical evacuation require the Assistance Company’s prior approval.

Repatriation of Remains: If an Injury or Sickness results in Your loss of life outside the U.S., the Assistance Company will arrange pay the Reasonable Expenses incurred for cremation or for preparation of the body for burial in, and for transportation of the body to, the Home Country up to the amount shown in the Schedule of Benefits. Any expenses for a Repatriation of Remains require the Assistance Company’s prior approval.

Bedside Visit Benefit: If You are confined to a hospital due to an Injury or Sickness for more than 7 days while traveling outside the U.S., the Assistance Company will arrange and pay up to the maximum amount shown in the Schedule of Benefits for the cost of one economy round trip air fare ticket to the place of the hospital confinement for one person designated by You. No more than one (1) visit may be made during any 12-month period. Any expenses for a Bedside Visit require the Assistance Company’s prior approval.

28

TravelGap Multi-Trip Gold excl US
HTH Travel Insurance

Medical Evacuation & Repatriation Benefits
$500,000 policy limit

Quote

Full Policy Wording

EMERGENCY TRANSPORTATION SERVICES

Medical Evacuation:
If You sustain an Injury or suffer a sudden Sickness while traveling outside the U.S., HTH Worldwide will arrange and pay the Medically Necessary expenses incurred, up to the lifetime Maximum Limit for all medical evacuations shown in the Schedule of Benefits, for a medical evacuation to the nearest Hospital, appropriate medical facility or back to the Your Home Country. Transportation must be by the most direct and economical route. However, before HTH Worldwide makes any arrangement or payment, HTH Worldwide requires written certification by the attending physician that the evacuation is Medically Necessary. HTH Worldwide will arrange and pay for Reasonable Charges for escort services if You are a minor or if You are disabled during the trip and an escort is recommended in writing by the attending physician and approved by the Assistance Company. Any expenses for the medical evacuation require the Assistance Company’s prior approval.

Repatriation of Remains:
If an Injury or Sickness results in Your loss of life outside the U.S., the Assistance Company will arrange pay the Reasonable Expenses incurred for cremation or for preparation of the body for burial in, and for transportation of the body to, the Home Country up to the amount shown in the Schedule of Benefits. Any expenses for a Repatriation of Remains require the Assistance Company’s prior approval.

Bedside Visit Benefit:
If You are confined to a hospital due to an Injury or Sickness for more than 7 days while traveling outside the U.S., the Assistance Company will arrange and pay up to the maximum amount shown in the Schedule of Benefits for the cost of one economy round trip air fare ticket to the place of the hospital confinement for one person designated by You. No more than one (1) visit may be made during any 12-month period. Any expenses for a Bedside Visit require the Assistance Company’s prior approval.

29

TravelGap Excursion excl US
HTH Travel Insurance

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

EMERGENCY TRANSPORTATION SERVICES

Medical Evacuation:

If You sustain an Injury or suffer a sudden Sickness while traveling outside the U.S., HTH Worldwide will arrange and pay the Medically Necessary expenses incurred, up to the lifetime Maximum Limit for all medical evacuations shown in the Schedule of Benefits, for a medical evacuation to the nearest Hospital, appropriate medical facility or back to the Your Home Country. Transportation must be by the most direct and economical route. However, before HTH Worldwide makes any arrangement or payment, HTH Worldwide requires written certification by the attending physician that the evacuation is Medically Necessary. HTH Worldwide will arrange and pay for Reasonable Charges for escort services if You are a minor or if You are disabled during the trip and an escort is recommended in writing by the attending physician and approved by the Assistance Company. Any expenses for the medical evacuation require the Assistance Company’s prior approval.

Repatriation of Remains: If an Injury or Sickness results in Your loss of life outside the U.S., the Assistance Company will arrange pay the Reasonable Expenses incurred for cremation or for preparation of the body for burial in, and for transportation of the body to, the Home Country up to the amount shown in the Schedule of Benefits. Any expenses for a Repatriation of Remains require the Assistance Company’s prior approval.

Bedside Visit Benefit: If You are confined to a hospital due to an Injury or Sickness for more than 7 days while traveling outside the U.S., the Assistance Company will arrange and pay up to the maximum amount shown in the Schedule of Benefits for the cost of one economy round trip air fare ticket to the place of the hospital confinement for one person designated by You. No more than one (1) visit may be made during any 12-month period. Any expenses for a Bedside Visit require the Assistance Company’s prior approval.

30

TripProtector Economy
HTH Travel Insurance

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

EMERGENCY TRANSPORTATION SERVICES

Medical Evacuation:

If You sustain an Injury or suffer a sudden Sickness while traveling outside the U.S., HTH Worldwide will arrange and pay the Medically Necessary expenses incurred, up to the lifetime Maximum Limit for all medical evacuations shown in the Schedule of Benefits, for a medical evacuation to the nearest Hospital, appropriate medical facility or back to the Your Home Country. Transportation must be by the most direct and economical route. However, before HTH Worldwide makes any arrangement or payment, HTH Worldwide requires written certification by the attending physician that the evacuation is Medically Necessary. HTH Worldwide will arrange and pay for Reasonable Charges for escort services if You are a minor or if You are disabled during the trip and an escort is recommended in writing by the attending physician and approved by the Assistance Company. Any expenses for the medical evacuation require the Assistance Company’s prior approval.

Repatriation of Remains: If an Injury or Sickness results in Your loss of life outside the U.S., the Assistance Company will arrange pay the Reasonable Expenses incurred for cremation or for preparation of the body for burial in, and for transportation of the body to, the Home Country up to the amount shown in the Schedule of Benefits. Any expenses for a Repatriation of Remains require the Assistance Company’s prior approval.

Bedside Visit Benefit: If You are confined to a hospital due to an Injury or Sickness for more than 7 days while traveling outside the U.S., the Assistance Company will arrange and pay up to the maximum amount shown in the Schedule of Benefits for the cost of one economy round trip air fare ticket to the place of the hospital confinement for one person designated by You. No more than one (1) visit may be made during any 12-month period. Any expenses for a Bedside Visit require the Assistance Company’s prior approval.

EXCLUSIONS AND LIMITATIONS:

You must not be disabled from travel at the time You pay the premium and intend to travel;

Suicide, attempted suicide, or any intentionally self-inflicted injuries while sane or insane;

War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;

Participation in any military maneuver or training exercise;

Piloting or learning to pilot or acting as a member of the crew of any aircraft;

While or as a result of riding in any device for aerial navigation;;

Mental or nervous disorders, unless hospitalized;

Participation as a professional in athletics;

Semi-professional or inter-scholastic team sports;

Being under the influence of drugs or intoxicants, unless prescribed by a physician;

Commission or the attempt to commit a criminal act;

Participating in bodily contact sports; skydiving; hang gliding; parachuting; mountaineering; any race; bungee jumping; speed contest; (speed contest shall not include any of the regatta races); spelunking or caving; heli-skiing; extreme skiing;

Pregnancy and childbirth (except for complications of pregnancy);

Hernia unless resulting from an Accidental Injury that occurs during Your Trip;

Traveling for the purpose of securing medical treatment;

Directly or indirectly, the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive material, gas, matter or contamination;

Directly or indirectly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act, regardless of any other cause or event contributing concurrently or in any other sequence thereto;

Care or treatment which is not medically necessary;

Accidental Injury or Sickness when traveling against the advice of a Physician;

Cosmetic surgery except for: reconstructive surgery incidental to or following surgery for trauma, or infection or other covered disease of the part of the body reconstructed, or to treat a congenital malformation of a child;

31

TripProtector Classic
HTH Travel Insurance

Medical Evacuation & Repatriation Benefits
$1,000,000 per person

Quote

Full Policy Wording

EMERGENCY TRANSPORTATION SERVICES

Medical Evacuation:

If You sustain an Injury or suffer a sudden Sickness while traveling outside the U.S., HTH Worldwide will arrange and pay the Medically Necessary expenses incurred, up to the lifetime Maximum Limit for all medical evacuations shown in the Schedule of Benefits, for a medical evacuation to the nearest Hospital, appropriate medical facility or back to the Your Home Country. Transportation must be by the most direct and economical route. However, before HTH Worldwide makes any arrangement or payment, HTH Worldwide requires written certification by the attending physician that the evacuation is Medically Necessary. HTH Worldwide will arrange and pay for Reasonable Charges for escort services if You are a minor or if You are disabled during the trip and an escort is recommended in writing by the attending physician and approved by the Assistance Company. Any expenses for the medical evacuation require the Assistance Company’s prior approval.

Repatriation of Remains: If an Injury or Sickness results in Your loss of life outside the U.S., the Assistance Company will arrange pay the Reasonable Expenses incurred for cremation or for preparation of the body for burial in, and for transportation of the body to, the Home Country up to the amount shown in the Schedule of Benefits. Any expenses for a Repatriation of Remains require the Assistance Company’s prior approval.

Bedside Visit Benefit: If You are confined to a hospital due to an Injury or Sickness for more than 7 days while traveling outside the U.S., the Assistance Company will arrange and pay up to the maximum amount shown in the Schedule of Benefits for the cost of one economy round trip air fare ticket to the place of the hospital confinement for one person designated by You. No more than one (1) visit may be made during any 12-month period. Any expenses for a Bedside Visit require the Assistance Company’s prior approval.

MEDICAL EVACUATION AND REPATRIATION EXCLUSIONS AND LIMITATIONS:

You must not be disabled from travel at the time You pay the premium and intend to travel;

Suicide, attempted suicide, or any intentionally self-inflicted injuries while sane or insane;

War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;

Participation in any military maneuver or training exercise;

Piloting or learning to pilot or acting as a member of the crew of any aircraft;

While or as a result of riding in any device for aerial navigation;;

Mental or nervous disorders, unless hospitalized;

Participation as a professional in athletics;

Semi-professional or inter-scholastic team sports;

Being under the influence of drugs or intoxicants, unless prescribed by a physician;

Commission or the attempt to commit a criminal act;

Participating in bodily contact sports; skydiving; hang gliding; parachuting; mountaineering; any race; bungee jumping; speed contest; (speed contest shall not include any of the regatta races); spelunking or caving; heli-skiing; extreme skiing;

Pregnancy and childbirth (except for complications of pregnancy);

Hernia unless resulting from an Accidental Injury that occurs during Your Trip;

Traveling for the purpose of securing medical treatment;

Directly or indirectly, the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive material, gas, matter or contamination;

Directly or indirectly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act, regardless of any other cause or event contributing concurrently or in any other sequence thereto;

Care or treatment which is not medically necessary;

Accidental Injury or Sickness when traveling against the advice of a Physician;

Cosmetic surgery except for: reconstructive surgery incidental to or following surgery for trauma, or infection or other covered disease of the part of the body reconstructed, or to treat a congenital malformation of a child;

iTravelInsured
iTravelInsured

32

Travel Lite
iTravelInsured

Medical Evacuation & Repatriation Benefits
No coverage

Quote

Full Policy Wording

There is no Medical Evacuation & Repatriation coverage with this plan.

33

Travel SE
iTravelInsured

Medical Evacuation & Repatriation Benefits
$100,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION, MEDICAL REPATRIATION AND RETURN OF REMAINS

When You suffer loss of life for any reason or incur a Sickness or Injury during the course of Your Trip, the following benefits are payable, up to the Maximum Benefit Amount shown in the Declarations Page.

1. Emergency Medical Evacuation: If the local attending Legally Qualified Physician and iTravelInsured, Inc. determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment.

If You are traveling alone and will be hospitalized for more than 3 consecutive days and Emergency Evacuation is not imminent, benefits will be paid to transport one person, chosen by You, by Economy Transportation, for a single visit to and from Your bedside.

If You are in the Hospital for more than 3 consecutive days and Your dependent children who are under 18 years of age and accompanying You on Your Trip are left unattended, Economy Transportation will be paid to return the dependents to their home (with an attendant, if considered necessary by iTravelInsured, Inc.).

2. Medical Repatriation: If the local attending Legally Qualified Physician and iTravelInsured, Inc. determine that it is Medically Necessary for You to return to Your primary place of residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred will be paid for Your return to Your primary place of residence or to a Hospital or medical facility closest to Your primary place of place of residence capable of providing continued treatment via one of the following methods of transportation, as approved, in writing, by iTravelInsured, Inc.:

one-way Transportation;

ii. commercial air upgrade (to Business or First Class), based on Your condition as recommended by the local attending Legally Qualified Physician and verified in writing and considered necessary by iTravelInsured, Inc. or

iii.other covered land or air transportation including, but not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by iTravelInsured, Inc.. Transportation must be via the most direct and economical route.

3. Return of Remains: In the event of Your death during a Trip, the expense incurred will be paid for minimally necessary casket or air tray, preparation and transportation of Your remains to Your primary place of residence in the United States of America or to the place of burial.

If benefits are payable and You have other insurance that may provide benefits for this same loss, We reserve the right to recover from such other insurance. You shall:

a. notify the Company of any other insurance;

help the Company exercise the Company’s rights in any reasonable way that the Company may request, including the filing and assignment of other insurance benefits;

c. not do anything after the loss to prejudice the Company’s rights; and

d. reimburse to the Company, to the extent of any payment the Company has made, for benefits received from such other insurance.

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

34

Travel SE
iTravelInsured

Medical Evacuation & Repatriation Benefits
$100,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION, MEDICAL REPATRIATION AND RETURN OF REMAINS

When You suffer loss of life for any reason or incur a Sickness or Injury during the course of Your Trip, the following benefits are payable, up to the Maximum Benefit Amount shown in the Declarations Page.

1. Emergency Medical Evacuation: If the local attending Legally Qualified Physician and iTravelInsured, Inc. determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment.

If You are traveling alone and will be hospitalized for more than 3 consecutive days and Emergency Evacuation is not imminent, benefits will be paid to transport one person, chosen by You, by Economy Transportation, for a single visit to and from Your bedside.

If You are in the Hospital for more than 3 consecutive days and Your dependent children who are under 18 years of age and accompanying You on Your Trip are left unattended, Economy Transportation will be paid to return the dependents to their home (with an attendant, if considered necessary by iTravelInsured, Inc.).

2. Medical Repatriation: If the local attending Legally Qualified Physician and iTravelInsured, Inc. determine that it is Medically Necessary for You to return to Your primary place of residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred will be paid for Your return to Your primary place of residence or to a Hospital or medical facility closest to Your primary place of place of residence capable of providing continued treatment via one of the following methods of transportation, as approved, in writing, by iTravelInsured, Inc.:

one-way Transportation;

ii. commercial air upgrade (to Business or First Class), based on Your condition as recommended by the local attending Legally Qualified Physician and verified in writing and considered necessary by iTravelInsured, Inc. or

iii.other covered land or air transportation including, but not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by iTravelInsured, Inc.. Transportation must be via the most direct and economical route.

3. Return of Remains: In the event of Your death during a Trip, the expense incurred will be paid for minimally necessary casket or air tray, preparation and transportation of Your remains to Your primary place of residence in the United States of America or to the place of burial.

If benefits are payable and You have other insurance that may provide benefits for this same loss, We reserve the right to recover from such other insurance. You shall:

a. notify the Company of any other insurance;

help the Company exercise the Company’s rights in any reasonable way that the Company may request, including the filing and assignment of other insurance benefits;

c. not do anything after the loss to prejudice the Company’s rights; and

d. reimburse to the Company, to the extent of any payment the Company has made, for benefits received from such other insurance.

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

35

Travel LX
iTravelInsured

Medical Evacuation & Repatriation Benefits
$1,000,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION, MEDICAL REPATRIATION AND RETURN OF REMAINS

When You suffer loss of life for any reason or incur a Sickness or Injury during the course of Your Trip, the following benefits are payable, up to the Maximum Benefit Amount shown in the Declarations Page.

1. Emergency Medical Evacuation: If the local attending Legally Qualified Physician and iTravelInsured, Inc. determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment.

If You are traveling alone and will be hospitalized for more than 3 consecutive days and Emergency Evacuation is not imminent, benefits will be paid to transport one person, chosen by You, by Economy Transportation, for a single visit to and from Your bedside.

If You are in the Hospital for more than 3 consecutive days and Your dependent children who are under 18 years of age and accompanying You on Your Trip are left unattended, Economy Transportation will be paid to return the dependents to their home (with an attendant, if considered necessary by iTravelInsured, Inc.).

2. Medical Repatriation: If the local attending Legally Qualified Physician and iTravelInsured, Inc. determine that it is Medically Necessary for You to return to Your primary place of residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred will be paid for Your return to Your primary place of residence or to a Hospital or medical facility closest to Your primary place of place of residence capable of providing continued treatment via one of the following methods of transportation, as approved, in writing, by iTravelInsured, Inc.:

one-way Transportation;

ii. commercial air upgrade (to Business or First Class), based on Your condition as recommended by the local attending Legally Qualified Physician and verified in writing and considered necessary by iTravelInsured, Inc. or

iii. other covered land or air transportation including, but not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by iTravelInsured, Inc.. Transportation must be via the most direct and economical route.

Hospital of Choice:

Subject to the terms and conditions of item # 3, You may choose to be transported to a Hospital in a city within the United States of America other than Your primary place of residence, but the maximum amount payable is limited to the cost of transportation to Your primary place of residence.

3. Return of Remains: In the event of Your death during a Trip, the expense incurred will be paid for minimally necessary casket or air tray, preparation and transportation of Your remains to Your primary place of residence in the United States of America or to the place of burial.

If benefits are payable and You have other insurance that may provide benefits for this same loss, We reserve the right to recover from such other insurance. You shall:

a. notify the Company of any other insurance;

help the Company exercise the Company’s rights in any reasonable way that the Company may request, including the filing and assignment of other insurance benefits;

c. not do anything after the loss to prejudice the Company’s rights; and

d. reimburse to the Company, to the extent of any payment the Company has made, for benefits received from such other insurance.

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

36

Travel LX
iTravelInsured

Medical Evacuation & Repatriation Benefits
$1,000,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION, MEDICAL REPATRIATION AND RETURN OF REMAINS

When You suffer loss of life for any reason or incur a Sickness or Injury during the course of Your Trip, the following benefits are payable, up to the Maximum Benefit Amount shown in the Declarations Page.

1. Emergency Medical Evacuation: If the local attending Legally Qualified Physician and iTravelInsured, Inc. determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment.

If You are traveling alone and will be hospitalized for more than 3 consecutive days and Emergency Evacuation is not imminent, benefits will be paid to transport one person, chosen by You, by Economy Transportation, for a single visit to and from Your bedside.

If You are in the Hospital for more than 3 consecutive days and Your dependent children who are under 18 years of age and accompanying You on Your Trip are left unattended, Economy Transportation will be paid to return the dependents to their home (with an attendant, if considered necessary by iTravelInsured, Inc.).

2. Medical Repatriation: If the local attending Legally Qualified Physician and iTravelInsured, Inc. determine that it is Medically Necessary for You to return to Your primary place of residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred will be paid for Your return to Your primary place of residence or to a Hospital or medical facility closest to Your primary place of place of residence capable of providing continued treatment via one of the following methods of transportation, as approved, in writing, by iTravelInsured, Inc.:

one-way Transportation;

ii. commercial air upgrade (to Business or First Class), based on Your condition as recommended by the local attending Legally Qualified Physician and verified in writing and considered necessary by iTravelInsured, Inc. or

iii. other covered land or air transportation including, but not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by iTravelInsured, Inc.. Transportation must be via the most direct and economical route.

Hospital of Choice:

Subject to the terms and conditions of item # 3, You may choose to be transported to a Hospital in a city within the United States of America other than Your primary place of residence, but the maximum amount payable is limited to the cost of transportation to Your primary place of residence.

3. Return of Remains: In the event of Your death during a Trip, the expense incurred will be paid for minimally necessary casket or air tray, preparation and transportation of Your remains to Your primary place of residence in the United States of America or to the place of burial.

If benefits are payable and You have other insurance that may provide benefits for this same loss, We reserve the right to recover from such other insurance. You shall:

a. notify the Company of any other insurance;

help the Company exercise the Company’s rights in any reasonable way that the Company may request, including the filing and assignment of other insurance benefits;

c. not do anything after the loss to prejudice the Company’s rights; and

d. reimburse to the Company, to the extent of any payment the Company has made, for benefits received from such other insurance.

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

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

37

Bronze
John Hancock Insurance Agency, Inc.

Medical Evacuation & Repatriation Benefits
$100,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION

We will pay, subject to the limitations set out herein, for Covered Emergency Medical Evacuation expenses reasonably incurred if You suffer an Accidental Injury or Emergency Sickness that warrants Your Emergency Medical Evacuation while You are on a Covered Trip. Benefits payable are subject to the Maximum Benefit per Insured shown on the Schedule of Benefits for all Emergency Medical Evacuations due to all injuries from the same Accident or all Emergency Sickness from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Medical Evacuation and must certify that the severity of Your Accidental Injury or Emergency Sickness warrants Your Emergency Medical Evacuation to Your Hospital of choice. The Assistance Company or We must review and approve the necessity of the Emergency Medical Evacuation based on the inadequacy of local medical facilities. The Emergency Medical Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Medical Evacuation expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Medical Evacuation. Expenses for Transportation must be: a) recommended by the attending Physician; and b) required by the standard regulations of the conveyance transporting You; and c) reviewed and pre-approved by the Assistance Company.

We will also pay Reasonable and Customary expenses, for escort expenses required by You, if You are disabled during a Covered Trip and an escort is recommended in writing by an attending Physician and such expenses are pre-approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Medical Evacuation, We will pay, subject to the limitations set out herein, for expenses:

(a) to return to the United States where You reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Accidental Injury or Emergency Sickness occurred and were left alone. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel tickets per person;

(b) to bring 1 person chosen by You to and from the Hospital or other medical facility where You are confined if You are alone, but not to exceed the cost of 1 round-trip economy airfare ticket.

In addition to the above Covered Expenses, if We have previously evacuated You to a medical facility, We will pay Your airfare costs from that facility to Your primary residence, within 1 year from Your original Scheduled Return Date, less refunds from Your unused Transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the Policy.

REPATRIATION OF REMAINS

We will pay the reasonable Covered Expenses incurred to return Your body to Your primary residence if You die during the Covered Trip. No payment will exceed the maximum shown on the Schedule of Benefits.

Covered Expenses include: The collection of the body of the deceased; the transfer of the body to a professional funeral home; embalming and preparation of the body or cremation if so desired; standard shipping casket; any required consular proceedings; the transfer of the casket to the airport and boarding of the casket onto the plane; any required permits and corresponding airfare; and the transfer of the deceased to its final destination. All Covered Expenses must be approved in advance by the Assistance Company.

38

Silver
John Hancock Insurance Agency, Inc.

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION

We will pay, subject to the limitations set out herein, for Covered Emergency Medical Evacuation expenses reasonably incurred if You suffer an Accidental Injury or Emergency Sickness that warrants Your Emergency Medical Evacuation while You are on a Covered Trip. Benefits payable are subject to the Maximum Benefit per Insured shown on the Schedule of Benefits for all Emergency Medical Evacuations due to all injuries from the same Accident or all Emergency Sickness from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Medical Evacuation and must certify that the severity of Your Accidental Injury or Emergency Sickness warrants Your Emergency Medical Evacuation to Your Hospital of choice. The Assistance Company or We must review and approve the necessity of the Emergency Medical Evacuation based on the inadequacy of local medical facilities. The Emergency Medical Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Medical Evacuation expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Medical Evacuation. Expenses for Transportation must be: (a) recommended by the attending Physician; and (b) required by the standard regulations of the conveyance transporting You; and © reviewed and pre-approved by the Assistance Company.

We will also pay Reasonable and Customary expenses, for escort expenses required by You, if You are disabled during a Covered Trip and an escort is recommended in writing by an attending Physician and such expenses are pre-approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Medical Evacuation, We will pay, subject to the limitations set out herein, for expenses:

(a) to return to the United States where You reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Accidental Injury or Emergency Sickness occurred and were left alone. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel tickets per person;

(b) to bring 1 person chosen by You to and from the Hospital or other medical facility where You are confined if You are alone, but not to exceed the cost of 1 round-trip economy airfare ticket.

In addition to the above Covered Expenses, if We have previously evacuated You to a medical facility, We will pay Your airfare costs from that facility to Your primary residence, within 1 year from Your original Scheduled Return Date, less refunds from Your unused Transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the Policy.

REPATRIATION OF REMAINS

We will pay the reasonable Covered Expenses incurred to return Your body to Your primary residence if You die during the Covered Trip. No payment will exceed the maximum shown on the Schedule of Benefits.

Covered Expenses include: The collection of the body of the deceased; the transfer of the body to a professional funeral home; embalming and preparation of the body or cremation if so desired; standard shipping casket; any required consular proceedings; the transfer of the casket to the airport and boarding of the casket onto the plane; any required permits and corresponding airfare; and the transfer of the deceased to its final destination. All Covered Expenses must be approved in advance by the Assistance Company.

39

Gold
John Hancock Insurance Agency, Inc.

Medical Evacuation & Repatriation Benefits
$1,000,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION

We will pay, subject to the limitations set out herein, for Covered Emergency Medical Evacuation expenses reasonably incurred if You suffer an Accidental Injury or Emergency Sickness that warrants Your Emergency Medical Evacuation while You are on a Covered Trip. Benefits payable are subject to the Maximum Benefit per Insured shown on the Schedule of Benefits for all Emergency Medical Evacuations due to all injuries from the same Accident or all Emergency Sickness from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Medical Evacuation and must certify that the severity of Your Accidental Injury or Emergency Sickness warrants Your Emergency Medical Evacuation to Your Hospital of choice. The Assistance Company or We must review and approve the necessity of the Emergency Medical Evacuation based on the inadequacy of local medical facilities. The Emergency Medical Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Medical Evacuation expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Medical Evacuation. Expenses for Transportation must be: (a) recommended by the attending Physician; and (b) required by the standard regulations of the conveyance transporting You; and © reviewed and pre-approved by the Assistance Company.

We will also pay Reasonable and Customary expenses, for escort expenses required by You, if You are disabled during a Covered Trip and an escort is recommended in writing by an attending Physician and such expenses are pre-approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Medical Evacuation, We will pay, subject to the limitations set out herein, for expenses:

a) to return to the United States where You reside, with an attendant if necessary, any of Your Dependent
Children who were accompanying You when the Accidental Injury or Emergency Sickness occurred and were left alone. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel tickets per person;

b) to bring 1 person chosen by You to and from the Hospital or other medical facility where You are confined if You are alone, but not to exceed the cost of 1 round-trip economy airfare ticket.

In addition to the above Covered Expenses, if We have previously evacuated You to a medical facility, We will pay Your airfare costs from that facility to Your primary residence, within 1 year from Your original Scheduled Return Date, less refunds from Your unused Transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the Policy.

REPATRIATION OF REMAINS

We will pay the reasonable Covered Expenses incurred to return Your body to Your primary residence if You die during the Covered Trip. No payment will exceed the maximum shown on the Schedule of Benefits.

Covered Expenses include: The collection of the body of the deceased; the transfer of the body to a professional funeral home; embalming and preparation of the body or cremation if so desired; standard shipping casket; any required consular proceedings; the transfer of the casket to the airport and boarding of the casket onto the plane; any required permits and corresponding airfare; and the transfer of the deceased to its final destination. All Covered Expenses must be approved in advance by the Assistance Company.

MedjetAssist
MedjetAssist

40

Annual Membership
MedjetAssist

Medical Evacuation & Repatriation Benefits
2 transports per year

Quote

Full Policy Wording

WORLDWIDE REPATRIATION

Subject to limitations on services described herein, when a MedjetAssist member becomes hospitalized as an inpatient due to illness or injury while traveling 150 miles or more from his or her Residence Address as defined herein, MedjetAssist will arrange for medical transportation and repatriation services to the hospital of the Member’s choice in the Member’s Home Country.

Affiliate aircraft used for the medical transport of MedjetAssist Members are fully equipped intensive care aircraft staffed with specially trained medical teams. However, if the Member’s condition permits, the Member will be transported by scheduled commercial airline, while in the care of a MedjetAssist authorized medical escort.

Medical Transport Services

A. Availability

MedjetAssist medical transport services are available to any Member who qualifies for medical transport services in accordance with these Rules and Regulations, is hospitalized as an inpatient 150 or more miles from his or her Residence Address, and is accepted as a patient into an available inpatient bed by an admitting physician at the hospital of the Member’s choice in the Member’s Home Country.

MedjetAssist medical transport services are not available to a Member with mild lesions, simple injuries such as sprains, simple fractures, or mild illnesses which can be treated by local doctors and do not prevent the member from continuing his or her trip or returning home without medical attention.

Both the originating and receiving hospitals must be accessible by ground ambulance to transport the Member to and from an airfield capable of accommodating MedjetAssist authorized aircraft (in the case of a medical transport via medically-dedicated air transport) or commercial aircraft (in the case of medical transport via commercial airline in the care of a MedjetAssist authorized commercial medical escort).

Due to the limited medical facilities and testing available on cruise ships, the Member must be admitted to a hospital on shore before scheduling medical transport to another hospital.

The timeframe for medical transport is dependent on affiliate aircraft availability, required permits and visas for the respective countries and any other factors which may be beyond MedjetAssist’s control.

Members must have proper documentation to return to their country of residence. MedjetAssist is not responsible for obtaining these documents in the event of a request for transport.

B. Commercial Medical Escort Service

MedjetAssist will arrange for medical transport via commercial airline in business class if available in the care of a MedjetAssist authorized commercial medical escort if: (1) the Member requires continued inpatient hospitalization; (2) the remaining inpatient hospitalization can be completed at a hospital of the Member’s choice in the Member’s Home Country; and (3) the Member can be returned by commercial airline in the care of a MedjetAssist authorized commercial medical escort.

One (1) traveling companion may accompany each Member being transported via scheduled commercial airline, at no additional cost, via economy class.

C. Medically-Dedicated Air Transport Service

MedjetAssist will arrange for medical transport via medically-dedicated air transport on a MedjetAssist authorized aircraft if: (1) the Member requires continued inpatient hospitalization; (2) the remaining inpatient hospitalization can be completed at a hospital of the Member’s choice in the Member’s Home Country; and (3) the Member is unable to return via commercial airline in the care of a MedjetAssist authorized commercial medical escort.

One (1) traveling companion may accompany each Member being transported on a MedjetAssist authorized aircraft during a medically-dedicated air transport, at no additional cost, provided space is available and the Member’s care will not be compromised.

While MedjetAssist makes every effort to accommodate its Members, due to limited space available on medical aircraft the Member and any accompanying passenger are limited to one small carry-on bag each.

D. Transport Criteria

All arrangements for medical transport and repatriation will be made by MedjetAssist. Decisions regarding the urgency of the case, the best timing and the most suitable means of transportation will be made by MedjetAssist after consultation with the local attending physician.

Medical Assessment – MedjetAssist will require a Medical Assessment in order to determine membership benefits and stability for transport. The Medical Assessment requires a consultation between the member’s treating physician, who will provide a final or interim diagnosis that will require continued inpatient hospitalization and a Medjet physician who will review and evaluate the treating physician’s diagnosis in order to determine the member’s transport requirements.

A Member must be medically stable for medical transport.

Assuming all other medical transport criteria are met, a Member who is initially considered medically unstable for transport to the hospital of the Member’s choice in the Member’s Home Country may first be transported to the nearest appropriate medical facility for initial stabilization. After this initial stabilization, MedjetAssist will arrange continued transport to the hospital of the Member’s choice in the Member’s Home Country if the Member continues to meet medical transport criteria.

41

MedjetAssist Extended Stay
MedjetAssist

Medical Evacuation & Repatriation Benefits
2 transports per year

Quote

Full Policy Wording

WORLDWIDE REPATRIATION

Subject to limitations on services described herein, when a MedjetAssist Expatriate member becomes hospitalized as an inpatient due to illness or injury while traveling 150 miles or more from his or her Residence Address as defined herein, MedjetAssist will arrange for medical transportation and repatriation services to the hospital of the Member’s choice in the Member’s Home Country.

Affiliate aircraft used for the medical transport of MedjetAssist Members are fully equipped intensive care aircraft staffed with specially trained medical teams. However, if the Member’s condition permits, the Member will be transported by scheduled commercial airline, while in the care of a MedjetAssist authorized medical escort.

Medical Transport Services

A. Availability

MedjetAssist medical transport services are available to any Member who qualifies for medical transport services in accordance with these Rules and Regulations, is hospitalized as an inpatient 150 or more miles from his or her Residence Address, and is accepted as a patient into an available inpatient bed by an admitting physician at the hospital of the Member’s choice in the Member’s Home Country.

MedjetAssist medical transport services are not available to a Member with mild lesions, simple injuries such as sprains, simple fractures, or mild illnesses which can be treated by local doctors and do not prevent the member from continuing his or her trip or returning home without medical attention.

Both the originating and receiving hospitals must be accessible by ground ambulance to transport the Member to and from an airfield capable of accommodating MedjetAssist authorized aircraft (in the case of a medical transport via medically-dedicated air transport) or commercial aircraft (in the case of medical transport via commercial airline in the care of a MedjetAssist authorized commercial medical escort).

Due to the limited medical facilities and testing available on cruise ships, the Member must be admitted to a hospital on shore before scheduling medical transport to another hospital.

The timeframe for medical transport is dependent on affiliate aircraft availability, required permits and visas for the respective countries and any other factors which may be beyond MedjetAssist’s control.

Members must have proper documentation to return to their country of residence. MedjetAssist is not responsible for obtaining these documents in the event of a request for transport.

B. Commercial Medical Escort Service

MedjetAssist will arrange for medical transport via commercial airline in business class if available in the care of a MedjetAssist authorized commercial medical escort if: (1) the Member requires continued inpatient hospitalization; (2) the remaining inpatient hospitalization can be completed at a hospital of the Member’s choice in the Member’s Home Country; and (3) the Member can be returned by commercial airline in the care of a MedjetAssist authorized commercial medical escort.

One (1) traveling companion may accompany each Member being transported via scheduled commercial airline, at no additional cost, via economy class.

C. Medically-Dedicated Air Transport Service

MedjetAssist will arrange for medical transport via medically-dedicated air transport on a MedjetAssist authorized aircraft if: (1) the Member requires continued inpatient hospitalization; (2) the remaining inpatient hospitalization can be completed at a hospital of the Member’s choice in the Member’s Home Country; and (3) the Member is unable to return via commercial airline in the care of a MedjetAssist authorized commercial medical escort.

One (1) traveling companion may accompany each Member being transported on a MedjetAssist authorized aircraft during a medically-dedicated air transport, at no additional cost, provided space is available and the Member’s care will not be compromised.

While MedjetAssist makes every effort to accommodate its Members, due to limited space available on medical aircraft the Member and any accompanying passenger are limited to one small carry-on bag each.

D. Transport Criteria

All arrangements for medical transport and repatriation will be made by MedjetAssist. Decisions regarding the urgency of the case, the best timing and the most suitable means of transportation will be made by MedjetAssist after consultation with the local attending physician.

Medical Assessment – MedjetAssist will require a Medical Assessment in order to determine membership benefits and stability for transport. The Medical Assessment requires a consultation between the member’s treating physician, who will provide a final or interim diagnosis that will require continued inpatient hospitalization and a Medjet physician who will review and evaluate the treating physician’s diagnosis in order to determine the member’s transport requirements.

A Member must be medically stable for medical transport.

Assuming all other medical transport criteria are met, a Member who is initially considered medically unstable for transport to the hospital of the Member’s choice in the Member’s Home Country may first be transported to the nearest appropriate medical facility for initial stabilization. After this initial stabilization, MedjetAssist will arrange continued transport to the hospital of the Member’s choice in the Member’s Home Country if the Member continues to meet medical transport criteria.

42

MedjetAssist Short Term Plan
MedjetAssist

Medical Evacuation & Repatriation Benefits
1 transport per person

Quote

Full Policy Wording

WORLDWIDE REPATRIATION

Subject to limitations on services described herein, when a MedjetAssist member becomes hospitalized as an inpatient due to illness or injury while traveling 150 miles or more from his or her Residence Address as defined herein, MedjetAssist will arrange for medical transportation and repatriation services to the hospital of the Member’s choice in the Member’s Home Country.

Affiliate aircraft used for the medical transport of MedjetAssist Members are fully equipped intensive care aircraft staffed with specially trained medical teams. However, if the Member’s condition permits, the Member will be transported by scheduled commercial airline, while in the care of a MedjetAssist authorized medical escort.

Medical Transport Services

A. Availability

MedjetAssist medical transport services are available to any Member who qualifies for medical transport services in accordance with these Rules and Regulations, is hospitalized as an inpatient 150 or more miles from his or her Residence Address, and is accepted as a patient into an available inpatient bed by an admitting physician at the hospital of the Member’s choice in the Member’s Home Country.

MedjetAssist medical transport services are not available to a Member with mild lesions, simple injuries such as sprains, simple fractures, or mild illnesses which can be treated by local doctors and do not prevent the member from continuing his or her trip or returning home without medical attention.

Both the originating and receiving hospitals must be accessible by ground ambulance to transport the Member to and from an airfield capable of accommodating MedjetAssist authorized aircraft (in the case of a medical transport via medically-dedicated air transport) or commercial aircraft (in the case of medical transport via commercial airline in the care of a MedjetAssist authorized commercial medical escort).

Due to the limited medical facilities and testing available on cruise ships, the Member must be admitted to a hospital on shore before scheduling medical transport to another hospital.

The timeframe for medical transport is dependent on affiliate aircraft availability, required permits and visas for the respective countries and any other factors which may be beyond MedjetAssist’s control.

Members must have proper documentation to return to their country of residence. MedjetAssist is not responsible for obtaining these documents in the event of a request for transport.

B. Commercial Medical Escort Service

MedjetAssist will arrange for medical transport via commercial airline in business class if available in the care of a MedjetAssist authorized commercial medical escort if: (1) the Member requires continued inpatient hospitalization; (2) the remaining inpatient hospitalization can be completed at a hospital of the Member’s choice in the Member’s Home Country; and (3) the Member can be returned by commercial airline in the care of a MedjetAssist authorized commercial medical escort.

One (1) traveling companion may accompany each Member being transported via scheduled commercial airline, at no additional cost, via economy class.

C. Medically-Dedicated Air Transport Service

MedjetAssist will arrange for medical transport via medically-dedicated air transport on a MedjetAssist authorized aircraft if: (1) the Member requires continued inpatient hospitalization; (2) the remaining inpatient hospitalization can be completed at a hospital of the Member’s choice in the Member’s Home Country; and (3) the Member is unable to return via commercial airline in the care of a MedjetAssist authorized commercial medical escort.

One (1) traveling companion may accompany each Member being transported on a MedjetAssist authorized aircraft during a medically-dedicated air transport, at no additional cost, provided space is available and the Member’s care will not be compromised.

While MedjetAssist makes every effort to accommodate its Members, due to limited space available on medical aircraft the Member and any accompanying passenger are limited to one small carry-on bag each.

D. Transport Criteria

All arrangements for medical transport and repatriation will be made by MedjetAssist. Decisions regarding the urgency of the case, the best timing and the most suitable means of transportation will be made by MedjetAssist after consultation with the local attending physician.

Medical Assessment – MedjetAssist will require a Medical Assessment in order to determine membership benefits and stability for transport. The Medical Assessment requires a consultation between the member’s treating physician, who will provide a final or interim diagnosis that will require continued inpatient hospitalization and a Medjet physician who will review and evaluate the treating physician’s diagnosis in order to determine the member’s transport requirements.

A Member must be medically stable for medical transport.

Assuming all other medical transport criteria are met, a Member who is initially considered medically unstable for transport to the hospital of the Member’s choice in the Member’s Home Country may first be transported to the nearest appropriate medical facility for initial stabilization. After this initial stabilization, MedjetAssist will arrange continued transport to the hospital of the Member’s choice in the Member’s Home Country if the Member continues to meet medical transport criteria.

MH Ross Travel Insurance Services
MH Ross Travel Insurance Services

43

Asset Plus
MH Ross Travel Insurance Services

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

MEDICAL EVACUATION AND REPATRIATION OF REMAINS

Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, when You suffer a covered Sickness, Injury, or Loss of life, during Your Trip, for the following:

Emergency Medical Evacuation

We will pay the Usual and Customary level of charges for Transportation Expense for an emergency Medical Evacuation to the nearest Hospital or medical facility where suitable Medically Necessary treatment is available, provided: 1) Your local attending Physician and We or Our Program Assistance Provider determine that Your condition is acute, severe or life threatening; and 2) that adequate Medically Necessary treatment is not available in Your immediate area.

Non-Emergency Medical Evacuation

Following a covered emergency Medical Evacuation or a covered Injury or Sickness, We will pay for a Medical Evacuation to return You to Your point of origin, Your primary place of residence, or to a Hospital or medical facility closest to Your primary place of residence capable of providing continued treatment, if Your local attending Physician and We or Our Program Assistance Provider determine that it is Medically Necessary.

We will pay for one of the following methods of transportation, as pre- approved by Us or Our Program Assistance Provider:

1) commercial air upgrade to Business or First Class, less refunds from Your unused transportation tickets;

2) other Transportation Expense.

Transportation must be via the most direct and economical route.

Hospital of Choice: You may choose to be transported to a Hospital in a city within the United States of America other than the city of Your primary place of residence. The maximum amount payable is limited to the cost of transportation to Your primary place of residence.

Repatriation of Remains

Benefits will be paid for covered Repatriation Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to return Your body to Your city of primary residence in the United States of America if You die during Your Trip.

“Repatriation Expenses” means expenses for embalming, local cremation, minimally necessary casket for transport and air transportation of Your remains and any other expenses required to comply with local laws or regulations to arrange transport of Your remains.

All Repatriation Expenses must be approved in advance by Us or Our Program Assistance Provider.

Additional Medical Evacuation Benefits:

The following are additional benefits that do not reduce the Maximum Benefit Amount payable under the Medical Evacuation and Repatriation of Remains Benefit.

Transportation to Join You: If You are or will be hospitalized for more than 7 days, We will pay, up to the cost of a single round-trip Economy Transportation ticket and, up to $150 per day up to 5 days for expenses for hotel nights, meals and local transportation for one person chosen by You to visit Your bedside, provided You are traveling alone and emergency Medical Evacuation or non-emergency Medical Evacuation is not imminent.

Transportation of Dependent Children: If You die or are hospitalized for more than 7 days, We will pay, up to the cost of a single one-way Economy Transportation ticket (less the value of applied credit from any unused return travel tickets) per person, to return Your Dependent children (and any accompanying minor persons under Your care) who are left unattended by Your death or hospitalization to their home (with an attendant, if considered necessary by Us or Our Program Assistance Provider.

44

Bridge
MH Ross Travel Insurance Services

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

MEDICAL EVACUATION AND REPATRIATION OF REMAINS

Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, when You suffer a covered Sickness, Injury, or Loss of life, during Your Trip, for the following:

Emergency Medical Evacuation
We will pay the Usual and Customary level of charges for Transportation Expense for an emergency Medical Evacuation to the nearest Hospital or medical facility where suitable Medically Necessary treatment is available, provided: 1) Your local attending Physician and We or Our Program Assistance Provider determine that Your condition is acute, severe or life threatening; and 2) that adequate Medically Necessary treatment is not available in Your immediate area.

Non-Emergency Medical Evacuation

Following a covered emergency Medical Evacuation or a covered Injury or Sickness, We will pay for a Medical Evacuation to return You to Your point of origin, Your primary place of residence, or to a Hospital or medical facility closest to Your primary place of residence capable of providing continued treatment, if Your local attending Physician and We or Our Program Assistance Provider determine that it is Medically Necessary.

We will pay for one of the following methods of transportation, as pre- approved by Us or Our Program Assistance Provider:

1) commercial air upgrade to Business or First Class, less refunds from Your unused transportation tickets;

2) other Transportation Expense.

Transportation must be via the most direct and economical route.

Hospital of Choice: You may choose to be transported to a Hospital in a city within the United States of America other than the city of Your primary place of residence. The maximum amount payable is limited to the cost of transportation to Your primary place of residence.

Repatriation of Remains

Benefits will be paid for covered Repatriation Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to return Your body to Your city of primary residence in the United States of America if You die during Your Trip.

“Repatriation Expenses” means expenses for embalming, local cremation, minimally necessary casket for transport and air transportation of Your remains and any other expenses required to comply with local laws or regulations to arrange transport of Your remains.

All Repatriation Expenses must be approved in advance by Us or Our Program Assistance Provider.

Additional Medical Evacuation Benefits:

The following are additional benefits that do not reduce the Maximum Benefit Amount payable under the Medical Evacuation and Repatriation of Remains Benefit.

Transportation to Join You: If You are or will be hospitalized for more than 7 days, We will pay, up to the cost of a single round-trip Economy Transportation ticket and, up to $200 per day up to 5 days for expenses for hotel nights, meals and local transportation for one person chosen by You to visit Your bedside, provided You are traveling alone and emergency Medical Evacuation or non-emergency Medical Evacuation is not imminent.

Transportation of Dependent Children: If You die or are hospitalized for more than 7 days, We will pay, up to the cost of a single one-way Economy Transportation ticket (less the value of applied credit from any unused return travel tickets) per person, to return Your Dependent children (and any accompanying minor persons under Your care) who are left unattended by Your death or hospitalization to their home (with an attendant, if considered necessary by Us or Our Program Assistance Provider.

45

Complete
MH Ross Travel Insurance Services

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

MEDICAL EVACUATION AND REPATRIATION OF REMAINS

Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, when You suffer a covered Sickness, Injury, or Loss of life, during Your Trip, for the following:

Emergency Medical Evacuation

We will pay the Usual and Customary level of charges for Transportation Expense for an emergency Medical Evacuation to the nearest Hospital or medical facility where suitable Medically Necessary treatment is available, provided: 1) Your local attending Physician and We or Our Program Assistance Provider determine that Your condition is acute, severe or life threatening; and 2) that adequate Medically Necessary treatment is not available in Your immediate area.

Non-Emergency Medical Evacuation

Following a covered emergency Medical Evacuation or a covered Injury or Sickness, We will pay for a Medical Evacuation to return You to Your point of origin, Your primary place of residence, or to a Hospital or medical facility closest to Your primary place of residence capable of providing continued treatment, if Your local attending Physician and We or Our Program Assistance Provider determine that it is Medically Necessary.

We will pay for one of the following methods of transportation, as pre- approved by Us or Our Program Assistance Provider:

1) commercial air upgrade to Business or First Class, less refunds from Your unused transportation tickets;

2) other Transportation Expense.

Transportation must be via the most direct and economical route.

Hospital of Choice: You may choose to be transported to a Hospital in a city within the United States of America other than the city of Your primary place of residence. The maximum amount payable is limited to the cost of transportation to Your primary place of residence.

Repatriation of Remains

Benefits will be paid for covered Repatriation Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to return Your body to Your city of primary residence in the United States of America if You die during Your Trip.

“Repatriation Expenses” means expenses for embalming, local cremation, minimally necessary casket for transport and air transportation of Your remains and any other expenses required to comply with local laws or regulations to arrange transport of Your remains.

All Repatriation Expenses must be approved in advance by Us or Our Program Assistance Provider.

Additional Medical Evacuation Benefits:
The following are additional benefits that do not reduce the Maximum Benefit Amount payable under the Medical Evacuation and Repatriation of Remains Benefit.

Transportation to Join You: If You are or will be hospitalized for more than 7 days, We will pay, up to the cost of a single round-trip Economy Transportation ticket and, up to $200 per day up to 5 days for expenses for hotel nights, meals and local transportation for one person chosen by You to visit Your bedside, provided You are traveling alone and emergency Medical Evacuation or non-emergency Medical Evacuation is not imminent.

Transportation of Dependent Children: If You die or are hospitalized for more than 7 days, We will pay, up to the cost of a single one-way Economy Transportation ticket (less the value of applied credit from any unused return travel tickets) per person, to return Your Dependent children (and any accompanying minor persons under Your care) who are left unattended by Your death or hospitalization to their home (with an attendant, if considered necessary by Us or Our Program Assistance Provider.

46

Asset
MH Ross Travel Insurance Services

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

MEDICAL EVACUATION AND REPATRIATION OF REMAINS

Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, when You suffer a covered Sickness, Injury, or Loss of life, during Your Trip, for the following:

Emergency Medical Evacuation

We will pay the Usual and Customary level of charges for Transportation Expense for an emergency Medical Evacuation to the nearest Hospital or medical facility where suitable Medically Necessary treatment is available, provided: 1) Your local attending Physician and We or Our Program Assistance Provider determine that Your condition is acute, severe or life threatening; and 2) that adequate Medically Necessary treatment is not available in Your immediate area.

Non-Emergency Medical Evacuation

Following a covered emergency Medical Evacuation or a covered Injury or Sickness, We will pay for a Medical Evacuation to return You to Your point of origin, Your primary place of residence, or to a Hospital or medical facility closest to Your primary place of residence capable of providing continued treatment, if Your local attending Physician and We or Our Program Assistance Provider determine that it is Medically Necessary.

We will pay for one of the following methods of transportation, as pre- approved by Us or Our Program Assistance Provider:

1) commercial air upgrade to Business or First Class, less refunds from Your unused transportation tickets;

2) other Transportation Expense.

Transportation must be via the most direct and economical route.

Hospital of Choice: You may choose to be transported to a Hospital in a city within the United States of America other than the city of Your primary place of residence. The maximum amount payable is limited to the cost of transportation to Your primary place of residence.

Repatriation of Remains

Benefits will be paid for covered Repatriation Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to return Your body to Your city of primary residence in the United States of America if You die during Your Trip.

“Repatriation Expenses” means expenses for embalming, local cremation, minimally necessary casket for transport and air transportation of Your remains and any other expenses required to comply with local laws or regulations to arrange transport of Your remains.

All Repatriation Expenses must be approved in advance by Us or Our Program Assistance Provider.

Additional Medical Evacuation Benefits:

The following are additional benefits that do not reduce the Maximum Benefit Amount payable under the Medical Evacuation and Repatriation of Remains Benefit.

Transportation to Join You: If You are or will be hospitalized for more than 7 days, We will pay, up to the cost of a single round-trip Economy Transportation ticket and, up to $150 per day up to 5 days for expenses for hotel nights, meals and local transportation for one person chosen by You to visit Your bedside, provided You are traveling alone and emergency Medical Evacuation or non-emergency Medical Evacuation is not imminent.

Transportation of Dependent Children: If You die or are hospitalized for more than 7 days, We will pay, up to the cost of a single one-way Economy Transportation ticket (less the value of applied credit from any unused return travel tickets) per person, to return Your Dependent children (and any accompanying minor persons under Your care) who are left unattended by Your death or hospitalization to their home (with an attendant, if considered necessary by Us or Our Program Assistance Provider.

RoamRight
RoamRight

47

Essential
RoamRight

Medical Evacuation & Repatriation Benefits
$150,000 per person

Quote

Full Policy Wording

MEDICAL EVACUATION AND REPATRIATION OF REMAINS

Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, when You suffer a covered Sickness, Injury, or Loss of life, during Your Trip, for the following:

Emergency Medical Evacuation

We will pay the Usual and Customary level of charges for Transportation Expense for an emergency Medical Evacuation to the nearest Hospital or medical facility where suitable Medically Necessary treatment is available, provided: 1) Your local attending Physician and We or Our Program Assistance Provider determine that Your condition is acute, severe or life threatening; and 2) that adequate Medically Necessary treatment is not available in Your immediate area.

Medically Necessary Repatriation

We will pay for a Medical Evacuation to return You to Your point of origin, Your primary place of residence, or to a Hospital or medical facility closest to Your primary place of residence capable of providing continued treatment, if Your local attending Physician and We or Our Program Assistance Provider determine that it is Medically Necessary.

We will pay for one of the following methods of transportation, as pre-approved by Us or Our Program Assistance Provider:

1) commercial air upgrade to Business or First Class, less refunds from Your unused transportation tickets;

2) other Transportation Expense.

Transportation must be via the most direct and economical route.

Repatriation of Remains

Benefits will be paid for covered Repatriation Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to return Your body to Your city of primary residence in the United States of America if You die during Your Trip.

“Repatriation Expenses” means expenses for embalming, local cremation, minimally necessary casket for transport and air transportation of Your remains and any other expenses required to comply with local laws or regulations to arrange transport of Your remains.

All Repatriation Expenses must be approved in advance by Us or Our Program Assistance Provider.

Additional Medical Evacuation Benefits:

Transportation to Join You: If You are or will be hospitalized for more than 7 days, We will pay, up to the cost of a single round-trip Economy Transportation ticket and, up to $250 per day up to 5 days for expenses for hotel nights, meals and local transportation for one person chosen by You to visit Your bedside, provided You are traveling alone and emergency Medical Evacuation or non-emergency Medical Evacuation is not imminent.

Transportation of Dependent Children: If You die or are hospitalized for more than 7 days, We will pay, up to the cost of a single one-way Economy Transportation ticket (less the value of applied credit from any unused return travel tickets) per person, to return Your Dependent children (and any accompanying minor persons under Your care) who are left unattended by Your death or hospitalization to their home (with an attendant, if considered necessary by Us or Our Program Assistance Provider.

48

Preferred
RoamRight

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

MEDICAL EVACUATION AND REPATRIATION OF REMAINS

Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, when You suffer a covered Sickness, Injury, or Loss of life, during Your Trip, for the following:

Emergency Medical Evacuation

We will pay the Usual and Customary level of charges for Transportation Expense for an emergency Medical Evacuation to the nearest Hospital or medical facility where suitable Medically Necessary treatment is available, provided: 1) Your local attending Physician and We or Our Program Assistance Provider determine that Your condition is acute, severe or life threatening; and 2) that adequate Medically Necessary treatment is not available in Your immediate area.

Medically Necessary Repatriation

We will pay for a Medical Evacuation to return You to Your point of origin, Your primary place of residence, or to a Hospital or medical facility closest to Your primary place of residence capable of providing continued treatment, if Your local attending Physician and We or Our Program Assistance Provider determine that it is Medically Necessary.

We will pay for one of the following methods of transportation, as pre-approved by Us or Our Program Assistance Provider:

1) commercial air upgrade to Business or First Class, less refunds from Your unused transportation tickets;

2) other Transportation Expense.

Transportation must be via the most direct and economical route.

Repatriation of Remains

Benefits will be paid for covered Repatriation Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to return Your body to Your city of primary residence in the United States of America if You die during Your Trip.

“Repatriation Expenses” means expenses for embalming, local cremation, minimally necessary casket for transport and air transportation of Your remains and any other expenses required to comply with local laws or regulations to arrange transport of Your remains.

All Repatriation Expenses must be approved in advance by Us or Our Program Assistance Provider.

Additional Medical Evacuation Benefits:

Transportation to Join You: If You are or will be hospitalized for more than 7 days, We will pay, up to the cost of a single round-trip Economy Transportation ticket and, up to $250 per day up to 5 days for expenses for hotel nights, meals and local transportation for one person chosen by You to visit Your bedside, provided You are traveling alone and emergency Medical Evacuation or non-emergency Medical Evacuation is not imminent.

Transportation of Dependent Children: If You die or are hospitalized for more than7 days, We will pay, up to the cost of a single one-way Economy Transportation ticket (less the value of applied credit from any unused return travel tickets) per person, to return Your Dependent children (and any accompanying minor persons under Your care) who are left unattended by Your death or hospitalization to their home (with an attendant, if considered necessary by Us or Our Program Assistance Provider.

49

Elite
RoamRight

Medical Evacuation & Repatriation Benefits
$1,000,000 per person

Quote

Full Policy Wording

MEDICAL EVACUATION AND REPATRIATION OF REMAINS

Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, when You suffer a covered Sickness, Injury, or Loss of life, during Your Trip, for the following:

Emergency Medical Evacuation

We will pay the Usual and Customary level of charges for Transportation Expense for an emergency Medical Evacuation to the nearest Hospital or medical facility where suitable Medically Necessary treatment is available, provided: 1) Your local attending Physician and We or Our Program Assistance Provider determine that Your condition is acute, severe or life threatening; and 2) that adequate Medically Necessary treatment is not available in Your immediate area.

Medically Necessary Repatriation

We will pay for a Medical Evacuation to return You to Your point of origin, Your primary place of residence, or to a Hospital or medical facility closest to Your primary place of residence capable of providing continued treatment, if Your local attending Physician and We or Our Program Assistance Provider determine that it is Medically Necessary.

We will pay for one of the following methods of transportation, as pre-approved by Us or Our Program Assistance Provider:

1) commercial air upgrade to Business or First Class, less refunds from Your unused transportation tickets;

2) other Transportation Expense.

Transportation must be via the most direct and economical route.

Repatriation of Remains

Benefits will be paid for covered Repatriation Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to return Your body to Your city of primary residence in the United States of America if You die during Your Trip.

“Repatriation Expenses” means expenses for embalming, local cremation, minimally necessary casket for transport and air transportation of Your remains and any other expenses required to comply with local laws or regulations to arrange transport of Your remains.

All Repatriation Expenses must be approved in advance by Us or Our Program Assistance Provider.

Additional Medical Evacuation Benefits:

Transportation to Join You: If You are or will be hospitalized for more than 7 days, We will pay, up to the cost of a single round-trip Economy Transportation ticket and, up to $250 per day up to 5 days for expenses for hotel nights, meals and local transportation for one person chosen by You to visit Your bedside, provided You are traveling alone and emergency Medical Evacuation or non-emergency Medical Evacuation is not imminent.

Transportation of Dependent Children: If You die or are hospitalized for more than 7 days, We will pay, up to the cost of a single one-way Economy Transportation ticket (less the value of applied credit from any unused return travel tickets) per person, to return Your Dependent children (and any accompanying minor persons under Your care) who are left unattended by Your death or hospitalization to their home (with an attendant, if considered necessary by Us or Our Program Assistance Provider.

When you purchase the Emergency Medical upgrade, the following coverage changes apply:

1. Additional Benefits will be paid up to the Maximum Benefit Amount shown in the Schedule of Benefits;

2. the deductible is waived.

3. it is determined that Your hospitalization can be completed at a facility near Your permanent residence, We will arrange and pay for a medically supervised evacuation to a Hospital of Your choice near Your permanent residence. However, if it is determined based on Your medical condition and situation, that transporting You to a Hospital near Your permanent residence could jeopardize Your health, We will arrange and pay for a medically supervised evacuation to the nearest medical facility capable of providing appropriate medical treatment.

50

Active
RoamRight

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

MEDICAL EVACUATION AND REPATRIATION OF REMAINS

Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, when You suffer a covered Sickness, Injury, or Loss of life, during Your Trip, for the following:

Emergency Medical Evacuation

We will pay the Usual and Customary level of charges for Transportation Expense for an emergency Medical Evacuation to the nearest Hospital or medical facility where suitable Medically Necessary treatment is available, provided: 1) Your local attending Physician and We or Our Program Assistance Provider determine that Your condition is acute, severe or life threatening; and 2) that adequate Medically Necessary treatment is not available in Your immediate area.

Medically Necessary Repatriation

We will pay for a Medical Evacuation to return You to Your point of origin, Your primary place of residence, or to a Hospital or medical facility closest to Your primary place of residence capable of providing continued treatment, if Your local attending Physician and We or Our Program Assistance Provider determine that it is Medically Necessary.
We will pay for one of the following methods of transportation, as pre-approved by Us or Our Program Assistance Provider:

1) commercial air upgrade to Business or First Class, less refunds from Your unused transportation tickets;

2) other Transportation Expense.

Transportation must be via the most direct and economical route.

Repatriation of Remains

Benefits will be paid for covered Repatriation Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to return Your body to Your city of primary residence in the United States of America if You die during Your Trip.

“Repatriation Expenses” means expenses for embalming, local cremation, minimally necessary casket for transport and air transportation of Your remains and any other expenses required to comply with local laws or regulations to arrange transport of Your remains.

All Repatriation Expenses must be approved in advance by Us or Our Program Assistance Provider.

Additional Medical Evacuation Benefits:

Transportation to Join You: If You are or will be hospitalized for more than 7 days, We will pay, up to the cost of a single round-trip Economy Transportation ticket and, up to $250 per day up to 5 days for expenses for hotel nights, meals and local transportation for one person chosen by You to visit Your bedside, provided You are traveling alone and emergency Medical Evacuation or non-emergency Medical Evacuation is not imminent.

Transportation of Dependent Children: If You die or are hospitalized for more than 7 days, We will pay, up to the cost of a single one-way Economy Transportation ticket (less the value of applied credit from any unused return travel tickets) per person, to return Your Dependent children (and any accompanying minor persons under Your care) who are left unattended by Your death or hospitalization to their home (with an attendant, if considered necessary by Us or Our Program Assistance Provider.

51

Adventure
RoamRight

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

MEDICAL EVACUATION AND REPATRIATION OF REMAINS

Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, when You suffer a covered Sickness, Injury, or Loss of life, during Your Trip, for the following:

Emergency Medical Evacuation

We will pay the Usual and Customary level of charges for Transportation Expense for an emergency Medical Evacuation to the nearest Hospital or medical facility where suitable Medically Necessary treatment is available, provided: 1) Your local attending Physician and We or Our Program Assistance Provider determine that Your condition is acute, severe or life threatening; and 2) that adequate Medically Necessary treatment is not available in Your immediate area.

Medically Necessary Repatriation

We will pay for a Medical Evacuation to return You to Your point of origin, Your primary place of residence, or to a Hospital or medical facility closest to Your primary place of residence capable of providing continued treatment, if Your local attending Physician and We or Our Program Assistance Provider determine that it is Medically Necessary.

We will pay for one of the following methods of transportation, as pre-approved by Us or Our Program Assistance Provider:

1) commercial air upgrade to Business or First Class, less refunds from Your unused transportation tickets;

2) other Transportation Expense.

Transportation must be via the most direct and economical route.

Repatriation of Remains

Benefits will be paid for covered Repatriation Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to return Your body to Your city of primary residence in the United States of America if You die during Your Trip.

“Repatriation Expenses” means expenses for embalming, local cremation, minimally necessary casket for transport and air transportation of Your remains and any other expenses required to comply with local laws or regulations to arrange transport of Your remains.

All Repatriation Expenses must be approved in advance by Us or Our Program Assistance Provider.

Additional Medical Evacuation Benefits:

Transportation to Join You: If You are or will be hospitalized for more than 7 days, We will pay, up to the cost of a single round-trip Economy Transportation ticket and, up to $250 per day up to 5 days for expenses for hotel nights, meals and local transportation for one person chosen by You to visit Your bedside, provided You are traveling alone and emergency Medical Evacuation or non-emergency Medical Evacuation is not imminent.

Transportation of Dependent Children: If You die or are hospitalized for more than 7 days, We will pay, up to the cost of a single one-way Economy Transportation ticket (less the value of applied credit from any unused return travel tickets) per person, to return Your Dependent children (and any accompanying minor persons under Your care) who are left unattended by Your death or hospitalization to their home (with an attendant, if considered necessary by Us or Our Program Assistance Provider.

52

Multi-Trip
RoamRight

Medical Evacuation & Repatriation Benefits
$250,000 per person 1 transport per year

Quote

Full Policy Wording

MEDICAL EVACUATION AND REPATRIATION OF REMAINS

Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, when You suffer a covered Sickness, Injury, or Loss of life, during Your Trip, for the following:

Emergency Medical Evacuation

We will pay the Usual and Customary level of charges for Transportation Expense for an emergency Medical Evacuation to the nearest Hospital or medical facility where suitable Medically Necessary treatment is available, provided: 1) Your local attending Physician and We or Our Program Assistance Provider determine that Your condition is acute, severe or life threatening; and 2) that adequate Medically Necessary treatment is not available in Your immediate area.

Medically Necessary Repatriation

We will pay for a Medical Evacuation to return You to Your point of origin, Your primary place of residence, or to a Hospital or medical facility closest to Your primary place of residence capable of providing continued treatment, if Your local attending Physician and We or Our Program Assistance Provider determine that it is Medically Necessary.

We will pay for one of the following methods of transportation, as pre-approved by Us or Our Program Assistance Provider:

1) commercial air upgrade to Business or First Class, less refunds from Your unused transportation tickets;

2) other Transportation Expense.

Transportation must be via the most direct and economical route.

Repatriation of Remains

Benefits will be paid for covered Repatriation Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to return Your body to Your city of primary residence in the United States of America if You die during Your Trip.

“Repatriation Expenses” means expenses for embalming, local cremation, minimally necessary casket for transport and air transportation of Your remains and any other expenses required to comply with local laws or regulations to arrange transport of Your remains.

All Repatriation Expenses must be approved in advance by Us or Our Program Assistance Provider.

Additional Medical Evacuation Benefits:

Transportation to Join You: If You are or will be hospitalized for more than 7 days, We will pay, up to the cost of a single round-trip Economy Transportation ticket and, up to $250 per day up to 5 days for expenses for hotel nights, meals and local transportation for one person chosen by You to visit Your bedside, provided You are traveling alone and emergency Medical Evacuation or non-emergency Medical Evacuation is not imminent.

Transportation of Dependent Children: If You die or are hospitalized for more than 7 days, We will pay, up to the cost of a single one-way Economy Transportation ticket (less the value of applied credit from any unused return travel tickets) per person, to return Your Dependent children (and any accompanying minor persons under Your care) who are left unattended by Your death or hospitalization to their home (with an attendant, if considered necessary by Us or Our Program Assistance Provider.

53

Multi-Trip Medical excl US
RoamRight

Medical Evacuation & Repatriation Benefits
Included in Emergency Medical $100,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION/REPATRIATION

The Company will pay, subject to the limitations set out herein, for Covered Emergency Evacuation Expenses reasonably incurred if You suffer an Injury or Emergency Sickness that warrants Your Emergency Evacuation while covered under the policy. Benefits payable are subject to the Maximum Amount per Insured shown in Your Schedule of Coverage and Service for all Emergency Evacuations due to all Injuries from the same Accident or all Emergency Sicknesses from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Evacuation and must certify that the severity of Your Injury or Emergency Sickness warrants Your Emergency Evacuation to the closest adequate medical facility. It must be determined that such Emergency Evacuation is required due to the inadequacy of local facilities.

The certification and approval for Emergency Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Evacuation Expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Evacuation. Expenses for Transportation must be: (a) recommended by the attending Physician; and (b) required by the standard regulations of the conveyance transporting You and © reviewed and pre-approved by the Assistance Company.

The Company will also pay reasonable and customary charges, up to the maximum escort limit shown on the Policy, for escort expenses required by You, if You are disabled and an escort is recommended in writing, by the Company’s attending Physician and must be pre- approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Evacuation Expense, the Company will pay subject to the limitations set out herein, for expenses to return where they reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Injury or Emergency Sickness occurred; but not to exceed the cost of a single one-way economy airfare ticket less the value of applied credit from any unused return travel tickets per person.

Emergency Medical Reunion

When You are hospitalized for more than 7 days, the Company will arrange and pay for round-trip economy- class transportation for one individual selected by You from Your Home Country to the location where You are hospitalized and return to the current Home Country. The benefits payable will include: The cost of a round trip economy air fare up to the maximum stated in Your Schedule of Coverage and Service Emergency Medical Reunion. The period of Emergency Medical Reunion is not to exceed 30 days, including travel.

MEDICALLY NECESSARY REPATRIATION

Following a covered Emergency Evacuation expense or a covered medical expense, the Insurer will pay to return You from the location to which You were evacuated or became sick or injured to Your return destination or the hospital of choice near your primary residence if medically necessary and authorized by the Assistance Company via Common Carrier within one year from Your original Trip completion date.

Commercial airfare costs will be in the same class of service as Your original airline tickets, or in business or first class as in compliance with Your medical necessities and requirements upon Your discharge, less refunds from Your unused transportation tickets.

In addition to the above covered expenses, if the Insurer has previously evacuated You to a medical facility, the Insurer will pay Your airfare costs from that facility to Your primary residence, within one year from Your original Scheduled Return Date, less refunds from Your unused transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the policy.

Emergency Evacuation – means Your medical condition warrants immediate transportation from the place where You are injured or sick to the nearest Hospital where appropriate medical treatment can be obtained.

Emergency Sickness – means an illness or disease, diagnosed by a legally licensed Physician, which meets all of the following criteria: (1) there is a present severe or acute symptom requiring immediate care and the failure to obtain such care could reasonably result in serious deterioration of Your condition or places Your life in jeopardy; (2) the severe or acute symptom occurs suddenly and unexpectedly; and (3) the severe or acute symptom occurs while coverage is in force while You suffer the symptom.

Transportation – means any land, sea or air conveyance required to transport You during an Emergency Evacuation. Transportation includes, but is not limited to, Common Carrier, air ambulances, land ambulances and private motor vehicles.

All covered transportation expenses must be approved in advance and arranged by an Assistance Company representative appointed by the Company.

RETURN OF MORTAL REMAINS

The Company will pay the reasonable Covered Expenses incurred to return Your body to Your primary residence if You die while covered under the policy. This will not exceed the maximum stated in Your Schedule of Coverage and Service, Return of Mortal Remains.

Covered Expenses include, but are not limited to, expenses for embalming, cremation, casket for transport and transportation.

All Covered Expenses in connection with a return of mortal remains must be pre-approved and arranged by an Assistance Company representative appointed by the Company.

54

Medical excl US
RoamRight

Medical Evacuation & Repatriation Benefits
$100,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION/REPATRIATION

The Company will pay, subject to the limitations set out herein, for Covered Emergency Evacuation Expenses reasonably incurred if You suffer an Injury or Emergency Sickness that warrants Your Emergency Evacuation while covered under the policy. Benefits payable are subject to the Maximum Amount per Insured shown in Your Schedule of Coverage and Service for all Emergency Evacuations due to all Injuries from the same Accident or all Emergency Sicknesses from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Evacuation and must certify that the severity of Your Injury or Emergency Sickness warrants Your Emergency Evacuation to the closest adequate medical facility. It must be determined that such Emergency Evacuation is required due to the inadequacy of local facilities.

The certification and approval for Emergency Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Evacuation Expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Evacuation. Expenses for Transportation must be: a) recommended by the attending Physician; and b) required by the standard regulations of the conveyance transporting You and c) reviewed and pre-approved by the Assistance Company.

The Company will also pay reasonable and customary charges, up to the maximum escort limit shown on the Policy, for escort expenses required by You, if You are disabled and an escort is recommended in writing, by the Company’s attending Physician and must be pre- approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Evacuation Expense, the Company will pay subject to the limitations set out herein, for expenses to return where they reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Injury or Emergency Sickness occurred; but not to exceed the cost of a single one-way economy airfare ticket less the value of applied credit from any unused return travel tickets per person.

Emergency Medical Reunion

When You are hospitalized for more than 7 days, the Company will arrange and pay for round-trip economy- class transportation for one individual selected by You from Your Home Country to the location where You are hospitalized and return to the current Home Country. The benefits payable will include: The cost of a round trip economy air fare up to the maximum stated in Your Schedule of Coverage and Service Emergency Medical Reunion. The period of Emergency Medical Reunion is not to exceed 30 days, including travel.

MEDICALLY NECESSARY REPATRIATION

Following a covered Emergency Evacuation expense or a covered medical expense, the Insurer will pay to return You from the location to which You were evacuated or became sick or injured to Your return destination or the hospital of choice near your primary residence if medically necessary and authorized by the Assistance Company via Common Carrier within one year from Your original Trip completion date.

Commercial airfare costs will be in the same class of service as Your original airline tickets, or in business or first class as in compliance with Your medical necessities and requirements upon Your discharge, less refunds from Your unused transportation tickets.

In addition to the above covered expenses, if the Insurer has previously evacuated You to a medical facility, the Insurer will pay Your airfare costs from that facility to Your primary residence, within one year from Your original Scheduled Return Date, less refunds from Your unused transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the policy.

Emergency Evacuation – means Your medical condition warrants immediate transportation from the place where You are injured or sick to the nearest Hospital where appropriate medical treatment can be obtained.

Emergency Sickness – means an illness or disease, diagnosed by a legally licensed Physician, which meets all of the following criteria: (1) there is a present severe or acute symptom requiring immediate care and the failure to obtain such care could reasonably result in serious deterioration of Your condition or places Your life in jeopardy; (2) the severe or acute symptom occurs suddenly and unexpectedly; and (3) the severe or acute symptom occurs while coverage is in force and during Your Trip.

Transportation – means any land, sea or air conveyance required to transport You during an Emergency Evacuation. Transportation includes, but is not limited to, Common Carrier, air ambulances, land ambulances and private motor vehicles.

All covered transportation expenses must be approved in advance and arranged by an Assistance Company representative appointed by the Company.

RETURN OF MORTAL REMAINS
The Company will pay the reasonable Covered Expenses incurred to return Your body to Your primary residence if You die while covered under the policy. This will not exceed the maximum stated in Your Schedule of Coverage and Service, Return of Mortal Remains.

Covered Expenses include, but are not limited to, expenses for embalming, cremation, casket for transport and transportation.

All Covered Expenses in connection with a return of mortal remains must be pre-approved and arranged by an Assistance Company representative appointed by the Company.

Seven Corners Inc
Seven Corners Inc

55

RoundTrip
Seven Corners Inc

Medical Evacuation & Repatriation Benefits
$350,000 per person

Quote

Full Policy Wording

EMERGENCY EVACUATION & REPATRIATION OF REMAINS

EMERGENCY EVACUATION

The Company will pay benefits for Covered Expenses incurred, up to the maximum shown on the Confirmation of Coverage, if an Accidental Injury or Sickness commencing during the course of the Trip results in Your necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a Physician who certifies that the severity of Your Accidental Injury or Sickness warrants Your Emergency Evacuation.

Emergency Evacuation means:
(a) Your medical condition warrants immediate transportation from the place where You are injured or sick to the nearest Hospital where appropriate medical treatment can be obtained;

(b) after being treated at a local Hospital, Your medical condition warrants transportation to where You reside, to obtain further medical treatment or to recover;
or
c) both a) and b), above.

Covered Expenses are Reasonable and Customary expenses for necessary transportation, related medical services and medical supplies incurred in connection with Your Emergency Evacuation. All transportation arrangements made for evacuating You must be by the most direct and economical route possible. Expenses for transportation must be:

a) recommended by the attending Physician;

b) required by the standard regulations of the conveyance transporting You; and

c) authorized in advance by the authorized assistance company.

Transportation of Dependent Children: If You are in the Hospital for more than seven (7) days, the authorized assistance company will return Your dependents, who are under nineteen (19) years of age and accompanying You on the scheduled Trip, to the domicile of a person nominated by You or Your next of kin with an attendant if necessary.

Transportation to Join You: If You are traveling alone and in a Hospital alone for more than seven (7) consecutive days or if the attending Physician certifies that due to Your Injury or Sickness, You will be required to stay in the Hospital for more than seven (7) consecutive days, upon request the authorized assistance company will bring a person, chosen by You, for a single visit to and from Your bedside provided that repatriation is not imminent.

Transportation services are provided if authorized in advance by the authorized assistance company, and are limited to necessary Economy Fares less the value of applied credit from unused travel tickets, if applicable.

Transportation means any Common Carrier, or other land, water or air conveyance, required for an Emergency Evacuation and includes air ambulances, land ambulances and private motor vehicles. The Company will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

56

RoundTrip Choice
Seven Corners Inc

Medical Evacuation & Repatriation Benefits
$1,000,000 per person

Quote

Full Policy Wording

EMERGENCY EVACUATION & REPATRIATION OF REMAINS

EMERGENCY EVACUATION

The Company will pay benefits for Covered Expenses incurred, up to the maximum shown on the Confirmation of Coverage, if an Accidental Injury or Sickness commencing during the course of the Trip results in Your necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a Physician who certifies that the severity of Your Accidental Injury or Sickness warrants Your Emergency Evacuation.

Emergency Evacuation means:

a) Your medical condition warrants immediate transportation from the place where You are injured or sick to the nearest Hospital where appropriate medical treatment can be obtained;

(b) after being treated at a local Hospital, Your medical condition warrants transportation to where You reside, to obtain further medical treatment or to recover; or

c) both (a) and (b), above.

Covered Expenses are Reasonable and Customary expenses for necessary transportation, related medical services and medical supplies incurred in connection with Your Emergency Evacuation. All transportation arrangements made for evacuating You must be by the most direct and economical route possible. Expenses for transportation must be:

a) recommended by the attending Physician;

b) required by the standard regulations of the conveyance transporting You; and

c) authorized in advance by the authorized assistance company.

Transportation of Dependent Children: If You are in the Hospital for more than seven (7) days, the authorized assistance company will return Your dependents, who are under nineteen (19) years of age and accompanying You on the scheduled Trip, to the domicile of a person nominated by You or Your next of kin with an attendant if necessary.

Transportation to Join You: If You are traveling alone and in a Hospital alone for more than seven (7) consecutive
days or if the attending Physician certifies that due to Your Injury or Sickness, You will be required to stay in the Hospital for more than seven (7) consecutive days, upon request the authorized assistance company will bring a person, chosen by You, for a single visit to and from Your bedside provided that repatriation is not imminent.

Transportation services are provided if authorized in advance by the authorized assistance company, and are limited to necessary Economy Fares less the value of applied credit from unused travel tickets, if applicable.

Transportation means any Common Carrier, or other land, water or air conveyance, required for an Emergency Evacuation and includes air ambulances, land ambulances and private motor vehicles. The Company will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

EXCESS INSURANCE LIMITATION

The insurance provided by the Plan shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any loss there is other valid and collectible insurance or indemnity in place, the Company shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable deductible.

REPATRIATION OF REMAINS

The Company will pay the reasonable Covered Expenses incurred to return Your body to Your primary place of residence if You die during the Trip. This will not exceed the maximum shown on the Confirmation of Coverage. Covered Expenses include, but are not limited to, expenses for embalming, cremation, casket for transport and transportation.

57

Liaison Continent excl US
Seven Corners Inc

Medical Evacuation & Repatriation Benefits
$1,000,000 per person

Quote

Full Policy Wording

Emergency Medical Evacuation/Repatriation: The plan will pay Covered Expenses incurred up to the maximum stated in the SCHEDULE OF BENEFITS if any covered Injury or Illness commences during the Period of Coverage and results in Your Medically Necessary Emergency Medical Evacuation or Repatriation (Your medical condition warrants immediate transportation from the medical facility where You are located to the nearest adequate medical facility where Medical Treatment can be obtained). This benefit must be approved and arranged by Seven Corners Assist in consultation with the local attending Physician. Emergency Medical Evacuation or Repatriation means: (a) the Insured Person’s medical condition warrants immediate transportation from the place where the Insured Person is located to the nearest adequate medical facility where Medical Treatment can be obtained; or (b) after being Treated at a local medical facility as a result of an Emergency Medical Evacuation, the Insured Person’s medical condition warrants transportation with a qualified medical attendant to his/her Home Country to obtain further Medical Treatment or to recover; or © both (a) and (b) above. All transportation arrangements must be by the most direct and economical route.

The Emergency Medical Evacuation or Repatriation must be arranged by Seven Corners Assist in consultation with the Insured Person’s local attending Physician. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

For U.S. Residents and Non-U.S. Residents when traveling outside of the United States: Your Covered Expenses will be paid up to the maximum stated in the SCHEDULE OF BENEFITS per Period of Coverage, for any covered Injury or Illness commencing during the Period of Coverage that results in Your Medically Necessary Emergency Medical Evacuation or Repatriation.

For Non-U.S. Residents: Your Covered Expenses will be paid up to the maximum stated in the SCHEDULE OF BENEFITS per Period of Coverage, for any covered Injury or Illness commencing during the Period of Coverage that results in Your Medically Necessary Emergency Medical Evacuation or Repatriation. Your Covered Expenses will be paid up to $25,000 per Period of Coverage, for any Acute Onset of a Pre-existing Condition(s) that results in Your Medically Necessary Emergency Medical Evacuation or Repatriation.

Return of Mortal Remains: The Company will pay the reasonable Covered Expenses incurred up to the maximum stated in the SCHEDULE OF BENEFITS to return the Insured Person’s remains to his/her Home Country if he or she dies, regardless of whether the death is related to a Pre- existing Condition. Covered Expenses include, but are not limited to, expenses for embalming, a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations. Any and all arrangements must be made by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

Return of Minor Child(ren): Should the Insured Person be traveling alone with a Minor Child(ren) and become hospitalized because of a covered Illness or Injury and the Minor Child(ren), under age 19, is left unattended, the Company will arrange and pay, for one-way economy fares to their Home Country. These arrangements will be made at no cost to the Insured Person. Meals and lodging are the responsibility of the Insured Person. If an attendant/escort is necessary to ensure the safety and welfare of Minor Child(ren), the Company will arrange and pay for these services up to the maximum stated in the SCHEDULE OF BENEFITS. Any and all arrangements must be made by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

Emergency Medical Reunion: When Emergency Medical Evacuation or Repatriation occurs, the Company will arrange and pay, for round-trip economy-class transportation for one individual selected by the Insured Person, from the Insured Person’s Home Country to the location where the Insured Person is hospitalized and return to the Home Country up to the maximum stated in the SCHEDULE OF BENEFITS. Emergency Medical Reunion must be recommended by the attending Physician. The benefits payable will include: (1) The cost of a round trip economy air fare; (2) Reasonable travel and accommodation expenses (not to exceed $200 per day) incurred in relation to the maximum stated in the Schedule of Benefits. (3) The period of Emergency Medical Reunion is not to exceed 10 days, including travel. Any and all arrangements must be made by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

58

Liaison Majestic excl US
Seven Corners Inc

Medical Evacuation & Repatriation Benefits
$1,000,000 per person

Quote

Full Policy Wording

Emergency Medical Evacuation/Repatriation:

The Company shall pay benefits for Covered Expenses incurred up to the maximum stated in the SCHEDULE OF BENEFITS, if any covered Injury or Illness commencing during the Period of Coverage results in the Medically Necessary Emergency Medical Evacuation or Repatriation of the Insured Person. The Emergency Medical Evacuation or Repatriation must be ordered by Seven Corners Assist in consultation with the Insured Person’s local attending Physician.

Emergency Medical Evacuation or Repatriation means: a) the Insured Person’s medical condition warrants immediate transportation from the place where the Insured Person is located to the nearest adequate medical facility where Medical Treatment can be obtained; or (b) after being treated at a local medical facility as a result of a Emergency Medical Evacuation, the Insured Person’s medical condition warrants transportation with a qualified medical attendant to his/her Home Country to obtain further Medical Treatment or to recover; or c) both a) and b) above. All transportation arrangements must be by the most direct and economical route.

The Emergency Medical Evacuation or Repatriation must be arranged by Seven Corners Assist in consultation with the Insured Person’s local attending Physician. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

Return of Mortal Remains: The Company will pay the reasonable Covered Expenses incurred up to the maximum stated in the SCHEDULE OF BENEFITS to return the Insured Person’s remains to his/her Home Country if he or she dies, regardless of whether the death is related to a Pre- existing Condition. Covered Expenses include, but are not limited to, expenses for embalming, a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations. Any and all arrangements must be made by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

Return of Minor Child(ren): Should the Insured Person be traveling alone with a Minor Child(ren) and is hospitalized because of a covered Illness or Injury and the Minor Child(ren), under age 19, is left unattended, the Company will arrange and pay, up to the maximum stated in the Schedule of Benefits, for one way economy fares to their Home Country. These arrangements will be made at no cost to the Insured Person. Meals and lodging are the responsibility of the Insured Person. If an attendant/escort is necessary to insure the safety and welfare of Minor Child(ren), the Company will arrange and pay for these services to the limit stated in the SCHEDULE OF BENEFITS. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

Emergency Medical Reunion: When Emergency Medical Evacuation or Repatriation occurs, the Company will arrange and pay, up to the maximum stated in the SCHEDULE OF BENEFITS, for round trip economy-class transportation for one individual selected by the Insured Person, from the Insured Person’s Home Country to the location where the Insured Person is hospitalized and return to the Home Country. Emergency Medical Reunion must be recommended by the attending Physician. The benefits payable will include: (1) The cost of a round trip economy air fare; (2) Reasonable travel and accommodation expenses (not to exceed $200 per day) incurred in relation up to the maximum stated in the SCHEDULE OF BENEFITS. (3) The period of Emergency Medical Reunion is not to exceed 10 days, including travel. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

59

Liaison International excl US
Seven Corners Inc

Medical Evacuation & Repatriation Benefits
$300,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION/REPATRIATION:

The Policy will pay Covered Expenses incurred up to the maximum stated in the Schedule of Benefits if any covered Injury or Illness commences during the Period of Coverage and results in Medically Necessary Emergency Medical Evacuation or Repatriation of the Plan Participant (The Plan Participant’s medical condition warrants immediate transportation from the medical facility where He or She is located to the nearest adequate medical facility where medical Treatment can be obtained). This benefit must be approved and arranged by Seven Corners Assist in consultation with the local attending Physician. Emergency Medical Evacuation or Repatriation means: a) the Plan Participant ’s medical condition warrants immediate transportation from the place where the Plan Participant is located (due to inadequate medical facilities) to the nearest adequate medical facility where medical Treatment can be obtained; or b) after being treated at a local medical facility as a result of a Medical Evacuation, the Plan Participant Person’s medical condition warrants transportation with a qualified medical attendant to his/her Home Country to obtain further medical Treatment or to recover; or c) both a) and b) above. All transportation arrangements must be by the most direct and economical route. The Emergency Medical Evacuation or Repatriation must be arranged by Seven Corners Assist in consultation with the Plan ParticipantPerson’s local attending Physician. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

RETURN OF MORTAL REMAINS:

The Policy will pay the reasonable Covered Expenses incurred up to the maximum stated in the Schedule of Benefits to return the Plan Participant’s remains to the Plan Participant’s Home Country if He or She should die. This benefit must be approved and arranged by Seven Corners Assist. Covered Expenses include, but are not limited to, expenses for embalming, a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

RETURN OF MINOR CHILD:

If the Plan Participant is traveling alone with a Minor Child(ren) and is hospitalized because of a covered Illness or Injury, and the Minor Child(ren), under age nineteen (19), are left unattended, the plan will arrange and pay up to the maximum stated in the Schedule of Benefits for a one-way economy fare to their Home Country (including the cost of an attendant/escort, if necessary to insure the safety and welfare of a Minor Child(ren)). This benefit must be approved and arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

EMERGENCY MEDICAL REUNION:

When Emergency Medical Evacuation or Repatriation is ordered, and the attending Physician recommends that an Immediate Family member travel with the Plan Participant, the plan will arrange and pay up to the maximum stated in the Schedule of Benefits for roundtrip economy-class transportation for one individual of the Plan Participant’s choice, from their Home Country, to be at their side while the Plan Participant is hospitalized. This benefit must be approved and arranged by Seven Corners Assist. The benefits payable will include: (1) The cost of a roundtrip economy airfare; (2) Reasonable travel and accommodation expenses (not to exceed $200 per day) incurred in relation to the maximum stated in the Schedule of Benefits; (3) The period of Emergency Medical Reunion is not to exceed ten (10) days, including travel. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

60

RoundTrip Economy
Seven Corners Inc

Medical Evacuation & Repatriation Benefits
$100,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION, MEDICAL REPATRIATION AND RETURN OF REMAINS

When You suffer loss of life for any reason or incur a Sickness or Injury during the course of Your Trip, the following benefits are payable, up to the Maximum Benefit Amount shown in the Schedule of Benefits.

1. Emergency Medical Evacuation: If the local attending Legally Qualified Physician and the authorized travel assistance company determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment.

If You are traveling alone and will be hospitalized for more than 7 consecutive days and Emergency Evacuation is not imminent, benefits will be paid to transport one person, chosen by You, by Economy Transportation, for a single visit to and from Your bedside.

If You are in the Hospital for more than 7 consecutive days and Your dependent children who are under 18 years of age and accompanying You on Your Trip are left unattended, Economy Transportation will be paid to return the dependents to their home (with an attendant, if considered necessary by the authorized travel assistance company).

2. Medical Repatriation: If the local attending Legally Qualified Physician and the authorized travel assistance company determine that it is Medically Necessary for You to return to Your primary place of residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred will be paid for Your return to Your primary place of residence or to a Hospital or medical facility closest to Your primary place of place of residence capable of providing continued treatment via one of the following methods of transportation, as approved, in writing, by the authorized travel assistance company:

i) one-way Economy Transportation;

ii) commercial air upgrade (to Business or First Class), based on Your condition as recommended by the local attending Legally Qualified Physician and verified in writing and considered necessary by the authorized travel assistance company; or;

iii) other covered land or air transportation including, but not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the authorized travel assistance company. Transportation must be via the most direct and economical route.

3. Return of Remains: In the event of Your death during a Trip, the expense incurred will be paid for minimally necessary casket or air tray, preparation and transportation of Your remains to Your primary place of residence in the United States of America or to the place of burial.

Benefits are paid less the value of Your original unused return travel ticket.

If benefits are payable and You have other insurance that may provide benefits for this same loss, We reserve the right to recover from such other insurance. You shall:

a) notify the Company of any other insurance;

b) help the Company exercise the Company’s rights in any reasonable way that the Company may request, including the filing and assignment of other insurance benefits;

c) not do anything after the loss to prejudice the Company’s rights; and

d) reimburse to the Company, to the extent of any payment the Company has made, for benefits received from such other insurance.

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

61

RoundTrip Elite
Seven Corners Inc

Medical Evacuation & Repatriation Benefits
$1,000,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION, MEDICAL REPATRIATION AND RETURN OF REMAINS

When You suffer loss of life for any reason or incur a Sickness or Injury during the course of Your Trip, the following benefits are payable, up to the Maximum Benefit Amount shown in the Schedule of Benefits.

1. Emergency Medical Evacuation: If the local attending Legally Qualified Physician and the authorized travel assistance company determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment.

If You are traveling alone and will be hospitalized for more than 7 consecutive days and Emergency Evacuation is not imminent, benefits will be paid to transport one person, chosen by You, by Economy Transportation, for a single visit to and from Your bedside.

If You are in the Hospital for more than 7 consecutive days and Your dependent children who are under 18 years of age and accompanying You on Your Trip are left unattended, Economy Transportation will be paid to return the dependents to their home (with an attendant, if considered necessary by the authorized travel assistance company).

2. Medical Repatriation: If the local attending Legally Qualified Physician and the authorized travel assistance company determine that it is Medically Necessary for You to return to Your primary place of residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred will be paid for Your return to Your primary place of residence or to a Hospital or medical facility closest to Your primary place of place of residence capable of providing continued treatment via one of the following methods of transportation, as approved, in writing, by the authorized travel assistance company:

i) one-way Economy Transportation;

ii) commercial air upgrade (to Business or First Class), based on Your condition as recommended by the local attending Legally Qualified Physician and verified in writing and considered necessary by the authorized travel assistance company; or

iii) other covered land or air transportation including, but not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the authorized travel assistance company. Transportation must be via the most direct and economical route.

3. Return of Remains: In the event of Your death during a Trip, the expense incurred will be paid for minimally necessary casket or air tray, preparation and transportation of Your remains to Your primary place of residence in the United States of America or to the place of burial.

Benefits are paid less the value of Your original unused return travel ticket.

If benefits are payable and You have other insurance that may provide benefits for this same loss, We reserve the right to recover from such other insurance. You shall:

a) notify the Company of any other insurance;

b) help the Company exercise the Company’s rights in any reasonable way that the Company may request, including the filing and assignment of other insurance benefits;

c) not do anything after the loss to prejudice the Company’s rights; and

d) reimburse to the Company, to the extent of any payment the Company has made, for benefits received from such other insurance.

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

Tin Leg
Tin Leg

62

Luxury
Tin Leg

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION

We will pay, subject to the limitations set out herein, for Covered Emergency Medical Evacuation expenses reasonably incurred if You suffer an Accidental Injury or Emergency Sickness that warrants Your Emergency Medical Evacuation while You are on a Covered Trip. Benefits payable are subject to the Maximum Benefit per Insured shown on the Schedule of Benefits for all Emergency Medical Evacuations due to all injuries from the same Accident or all Emergency Sickness from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Medical Evacuation and must certify that the severity of Your Accidental Injury or Emergency Sickness warrants Your Emergency Medical Evacuation to the closest adequate medical facility. The Assistance Company or We must review and approve the necessity of the Emergency Medical Evacuation based on the inadequacy of local medical facilities. The Emergency Medical Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Medical Evacuation expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Medical Evacuation. Expenses for Transportation must be: a) recommended by the attending Physician; and b) required by the standard regulations of the conveyance transporting You; and c) reviewed and pre-approved by the Assistance Company.

We will also pay Reasonable and Customary expenses, for escort expenses required by You, if You are disabled during a Covered Trip and an escort is recommended in writing by an attending Physician and such expenses are pre-approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Medical Evacuation Expense, We will pay, subject to the limitations set out herein, for expenses:

a) To return to where You reside, with an attendant if necessary, any of Your Dependent Children and any minor persons under Your care who were accompanying You when the Accidental Injury or Sickness occurred and were left alone. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel tickets per person.

b) To bring 1 person chosen by You to and from the Hospital or other medical facility where You are confined if You are alone; but not to exceed the cost of 1 round-Trip economy airfare ticket, including reasonable, additional meals and lodging not to exceed $200 per day.

c) To return You from the medical facility to which You were evacuated to Your return destination via Common Carrier, within 1 year from Your original Covered Trip completion date. Commercial airfare costs will be in the same class of service as Your original airline tickets, or in business or first class if Medically Necessary due to Your medical requirements upon the discharge, less refunds from Your unused Transportation tickets.

In addition to the above Covered Expenses, if We have previously evacuated You to a medical facility, We will pay Your airfare costs from that facility to Your primary residence, within 1 year from Your original Scheduled Return Date, less refunds from Your unused Transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the Policy.

Transportation of Spouse or Domestic Partner: If You are confined to the Hospital for more than 7 days or if the attending Physician certifies that due to Your Accidental Injury or Sickness, You will be required to stay in the Hospital for more than 7 consecutive days, or if You die on the Covered Trip and require Repatriation of Remains, We will return Your spouse or Domestic Partner to Your primary residence. Our payment will not exceed the cost of a single one-way economy airfare ticket, less the value of applied credit from any unused return travel ticket.

REPATRIATION OF REMAINS

We will pay the reasonable Covered Expenses incurred to return Your body to Your primary residence if You die during the Covered Trip. No payment will exceed the maximum shown on the Schedule of Benefits.

Covered Expenses include: The collection of the body of the deceased; the transfer of the body to a professional funeral home; embalming and preparation of the body or cremation if so desired; standard shipping casket; any required consular proceedings; the transfer of the casket to the airport and boarding of the casket onto the plane; any required permits and corresponding airfare; and the transfer of the deceased to its final destination. All Covered Expenses must be approved in advance by the Assistance Company.

Travelex Insurance Services
Travelex Insurance Services

63

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

Medical Evacuation & Repatriation Benefits
No coverage

Quote

Full Policy Wording

There is no Medical Evacuation & Repatriation coverage with this plan.

64

Flight Insure Package Plan Multi-trip
Travelex Insurance Services

Medical Evacuation & Repatriation Benefits
$25,000 per person

Quote

Full Policy Wording

MEDICAL EVACUATION & REPATRIATION BENEFITS

We will pay this benefit, up to the amount on the Schedule for the following Covered Expenses incurred by you, subject to the following: 1) Covered Expenses will only be payable at the Usual and Customary level of payment; 2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Covered Trip.

Covered Expenses:

1. expenses incurred by you for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the Program Medical Advisors prior approval;
2. expenses incurred for non-emergency medical evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence, when deemed medically necessary by the attending Physician, subject to the Program Medical Advisors prior approval;
3. expenses for transportation not to exceed the cost of one round-trip economy class air fare to the place of hospitalization for one person chosen by you, provided that you are traveling alone and are hospitalized for more than 7 days;
4. expenses for transportation not to exceed the cost of one-way economy class air fare to your place of residence, including escort expenses, if you are 18 years of age or younger and left unattended due to the death or hospitalization of an accompanying adult(s), subject to the Program Medical Advisors prior approval;
5. expenses for one-way economy class air fare (or first class, if your original tickets were first class) to the your place of residence, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the plan;
6. repatriation expenses for preparation and air transportation of your remains to your place of residence, or up to an equivalent amount for a local burial in the country where death occurred.

Your duties in the event of a Medical Expense:

1. You must provide us with all bills and reports for medical and/or dental expenses claimed.
2. You must provide any requested information, including but not limited to, an explanation of benefits from any other applicable insurance.
3. You must sign a patient authorization to release any information required by us, to investigate your claim.

65

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

Medical Evacuation & Repatriation Benefits
No coverage

Quote

Full Policy Wording

There is no Medical Evacuation & Repatriation coverage with this plan.

66

Flight Insure Plus - Package Plan
Travelex Insurance Services

Medical Evacuation & Repatriation Benefits
$25,000 per person

Quote

Full Policy Wording

MEDICAL EVACUATION & REPATRIATION BENEFITS

We will pay this benefit, up to the amount on the Schedule for the following Covered Expenses incurred by you, subject to the following: 1) Covered Expenses will only be payable at the Usual and Customary level of payment; 2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Covered Trip.

Covered Expenses:

1. expenses incurred by you for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the Program Medical Advisors prior approval;
2. expenses incurred for non-emergency medical evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence, when deemed medically necessary by the attending Physician, subject to the Program Medical Advisors prior approval;
3. expenses for transportation not to exceed the cost of one round-trip economy class air fare to the place of hospitalization for one person chosen by you, provided that you are traveling alone and are hospitalized for more than 7 days;
4. expenses for transportation not to exceed the cost of one-way economy class air fare to your place of residence, including escort expenses, if you are 18 years of age or younger and left unattended due to the death or hospitalization of an accompanying adult(s), subject to the Program Medical Advisors prior approval;
5. expenses for one-way economy class air fare (or first class, if your original tickets were first class) to the your place of residence, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the plan;
6. repatriation expenses for preparation and air transportation of your remains to your place of residence, or up to an equivalent amount for a local burial in the country where death occurred.

Your duties in the event of a Medical Expense:

1. You must provide us with all bills and reports for medical and/or dental expenses claimed.
2. You must provide any requested information, including but not limited to, an explanation of benefits from any other applicable insurance.
3. You must sign a patient authorization to release any information required by us, to investigate your claim.

67

Travel Basic
Travelex Insurance Services

Medical Evacuation & Repatriation Benefits
$100,000 per person

Quote

Full Policy Wording

Emergency Evacuation & Repatriation Benefits

We will pay this benefit, up to the amount on the Schedule, for the following Covered Expenses incurred by you, subject to the following: 1) Covered Expenses will only be payable at the Usual and Customary level of payment; 2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Covered Trip.

Covered Expenses:

1. expenses incurred by you for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital of your choice, when you are critically ill or injured and no suitable local care is available, subject to the Travel Assistance Provider’s prior approval;

2. expenses incurred for non-emergency medical evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your Home, when deemed medically necessary by the attending Physician, subject to the Travel Assistance Provider’s prior approval;

3. expenses for transportation not to exceed the cost of one round-trip economy class air fare to the place of hospitalization for one person chosen by you, provided that you are traveling alone and are hospitalized for more than 7 days;

4. expenses for transportation not to exceed the cost of one-way economy class air fare to your Home, including escort expenses, if you are 18 years of age or younger and left unattended due to the death or hospitalization of an accompanying adult(s), subject to the Travel Assistance Provider’s prior approval;

5. expenses for one-way economy class air fare (or first class, if your original tickets were first class) to your Home, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the plan;

6. repatriation expenses for preparation and air transportation of your remains to your Home, or up to an equivalent amount for a local burial in the country where death occurred, if you die while outside the United States of America.

Your duties in the event of a Medical Expense:

1. You must provide us with all bills and reports for medical and/or dental expenses claimed.

2. You must provide any requested information, including but not limited to, an explanation of benefits from any other applicable insurance.

3. You must sign a patient authorization to release any information required by us, to investigate your claim.

68

Travel Max
Travelex Insurance Services

Medical Evacuation & Repatriation Benefits
$1,000,000 per person

Quote

Full Policy Wording

Emergency Evacuation & Repatriation Benefits

We will pay this benefit, up to the amount on the Schedule for the following Covered Expenses incurred by you, subject to the following: 1) Covered Expenses will only be payable at the Usual and Customary level of payment; 2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Covered Trip.

Covered Expenses:

1. expenses incurred by you for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital of your choice, when you are critically ill or injured and no suitable local care is available, subject to the Travel Assistance Provider’s prior approval;

2. expenses incurred for non-emergency medical evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your Home, when deemed medically necessary by the attending Physician, subject to the Travel Assistance Provider’s prior approval;

3. expenses for transportation not to exceed the cost of one round-trip economy class air fare to the place of hospitalization for one person chosen by you, provided that you are traveling alone and are hospitalized for more than 7 days;

4. expenses for transportation not to exceed the cost of one-way economy class air fare to your Home, including escort expenses, if you are 18 years of age or younger and left unattended due to the death or hospitalization of an accompanying adult(s), subject to the Travel Assistance Provider’s prior approval;

5. expenses for one-way economy class air fare (or first class, if your original tickets were first class) to your Home, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the plan;

6. repatriation expenses for preparation and air transportation of your remains to your Home, or up to an equivalent amount for a local burial in the country where death occurred, if you die while outside the United States of America.

If your cat or dog is left unattended as a result of your hospitalization, we will pay the cost to transport your cat or dog to your Home, up to $10,000. Covered Expenses are for transportation expenses only. Expenses to kennel the cat or dog are not reimbursable under this benefit.

Benefits amounts are payable on an aggregate limit for all cats or dogs accompanying you on your Covered Trip.

Your duties in the event of a Medical Expense:

1. You must provide us with all bills and reports for medical and/or dental expenses claimed.

2. You must provide any requested information, including but not limited to, an explanation of benefits from any other applicable insurance.

3. You must sign a patient authorization to release any information required by us, to investigate your claim.

69

Travel Select
Travelex Insurance Services

Medical Evacuation & Repatriation Benefits
$500,000 per person

Quote

Full Policy Wording

Emergency Evacuation & Repatriation Benefits

We will pay this benefit, up to the amount on the Schedule, for the following Covered Expenses incurred by you, subject to the following: 1) Covered Expenses will only be payable at the Usual and Customary level of payment; 2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Covered Trip.

Covered Expenses:

1. expenses incurred by you for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital of your choice, when you are critically ill or injured and no suitable local care is available, subject to the Travel Assistance Provider’s prior approval;

2. expenses incurred for non-emergency medical evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your Home, when deemed medically necessary by the attending Physician, subject to the Travel Assistance Provider’s prior approval;

3. expenses for transportation not to exceed the cost of one round-trip economy class air fare to the place of hospitalization for one person chosen by you, provided that you are traveling alone and are hospitalized for more than 7 days;

4. expenses for transportation not to exceed the cost of one-way economy class air fare to your Home, including escort expenses, if you are 18 years of age or younger and left unattended due to the death or hospitalization of an accompanying adult(s), subject to the Travel Assistance Provider’s prior approval;

5. expenses for one-way economy class air fare (or first class, if your original tickets were first class) to your Home, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the plan;

6. repatriation expenses for preparation and air transportation of your remains to your Home, or up to an equivalent amount for a local burial in the country where death occurred , if you die while outside the United States of America.

Your duties in the event of a Medical Expense:

1. You must provide us with all bills and reports for medical and/or dental expenses claimed.

2. You must provide any requested information, including but not limited to, an explanation of benefits from any other applicable insurance.

3. You must sign a patient authorization to release any information required by us, to investigate your claim.

TravelSafe
TravelSafe

70

Basic
TravelSafe

Medical Evacuation & Repatriation Benefits
$100,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION,
MEDICAL REPATRIATION AND RETURN OF REMAINS

When You suffer loss of life for any reason or incur a Sickness or Injury during the course of Your Trip, the following benefits are payable, up to the Maximum Benefit Amount shown in the Confirmation of Benefits.

1. Emergency Medical Evacuation: If the local attending Legally Qualified Physician and the Program Medical Advisor determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment.
If You are traveling alone and will be hospitalized for more than 7 consecutive days and Emergency Medical Evacuation is not imminent, benefits will be paid to transport one person, chosen by You, by Economy Transportation, for a single visit to and from Your bedside.
If You are in the Hospital for more than 7 consecutive days and Your dependent children who are under 18 years of age and accompanying You on Your Trip are left unattended, Economy Transportation will be paid to return the dependents to their home (with an attendant, if considered necessary by the Program Medical Advisor).

2. Medical Repatriation: If the local attending Legally Qualified Physician and the Program Medical Advisor determine that it is Medically Necessary for You to return to Your primary place of residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred will be paid for Your return to Your primary place of residence or to a Hospital or medical facility closest to Your primary place of place of residence capable of providing continued treatment via one of the following methods of transportation, as approved, in writing, by the Program Medical Advisor:

i) one-way Economy Transportation;

ii) commercial air upgrade (to Business or First Class), based on Your condition as recommended by the local attending Legally Qualified Physician and verified in writing and considered necessary by the Program Medical Advisor; or

iii) other covered land or air transportation including, but not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the Program Medical Advisor. Transportation must be via the most direct and economical route.

Dispatch of a Physician: If the local attending Legally Qualified Physician and the Program Medical Advisor cannot adequately assess Your need for Medical Evacuation or Transportation, and a Physician is dispatched by the Program Medical Advisor to make such assessment, benefits will be paid for the travel expenses incurred and medical services provided by the dispatched Physician.

3. Return of Remains: In the event of Your death during a Trip, the expense incurred will be paid for minimally necessary casket or air tray, preparation and transportation of Your remains to Your primary place of residence in the United States of America or to the place of burial.
Benefits are paid less the value of Your original unused return travel ticket.

If benefits are payable and You have other insurance that may provide benefits for this same loss, We reserve the right to recover from such other insurance. You shall:

a) notify Us of any other insurance;

b) help Us exercise Our rights in any reasonable way that We may request, including the filing and assignment of other insurance benefits;

c) not do anything after the loss to prejudice Our rights; and

d) reimburse to Us, to the extent of any payment We have made, for benefits received from such other insurance.

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

71

Classic
TravelSafe

Medical Evacuation & Repatriation Benefits
$1,000,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION,
MEDICAL REPATRIATION AND RETURN OF REMAINS

When You suffer loss of life for any reason or incur a Sickness or Injury during the course of Your Trip, the following benefits are payable, up to the Maximum Benefit Amount shown in the Confirmation of Benefits.

1. Emergency Medical Evacuation: If the local attending Legally Qualified Physician and the Program Medical Advisor determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment.

If You are traveling alone and will be hospitalized for more than 7 consecutive days and Emergency Medical Evacuation is not imminent, benefits will be paid to transport one person, chosen by You, by Economy Transportation, for a single visit to and from Your bedside.

If You are in the Hospital for more than 7 consecutive days and Your dependent children who are under 18 years of age and accompanying You on Your Trip are left unattended, Economy Transportation will be paid to return the dependents to their home (with an attendant, if considered necessary by the Program Medical Advisor).

2. Medical Repatriation: If the local attending Legally Qualified Physician and the Program Medical Advisor determine that it is Medically Necessary for You to return to Your primary place of residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred will be paid for Your return to Your primary place of residence or to a Hospital or medical facility closest to Your primary place of place of residence capable of providing continued treatment via one of the following methods of transportation, as approved, in writing, by the Program Medical Advisor:

i) one-way Economy Transportation;

ii) commercial air upgrade (to Business or First Class), based on Your condition as recommended by the local attending Legally Qualified Physician and verified in writing and considered necessary by the Program Medical Advisor; or

iii) other covered land or air transportation including, but not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the Program Medical Advisor. Transportation must be via the most direct and economical route.

Hospital Of Choice

Subject to the terms and conditions of item # 2, You may choose to be transported to a Hospital in a city within the United States of America other than Your primary place of residence, but the maximum amount payable is limited to the cost of transportation to Your primary place of residence.

Dispatch of a Physician: If the local attending Legally Qualified Physician and the Program Medical Advisor cannot adequately assess Your need for Medical Evacuation or Transportation, and a Physician is dispatched by the Program Medical Advisor to make such assessment, benefits will be paid for the travel expenses incurred and medical services provided by the dispatched Physician.

3. Return of Remains: In the event of Your death during a Trip, the expense incurred will be paid for minimally necessary casket or air tray, preparation and transportation of Your remains to Your primary place of residence in the United States of America or to the place of burial.

Benefits are paid less the value of Your original unused return travel ticket.

If benefits are payable and You have other insurance that may provide benefits for this same loss, We reserve the right to recover from such other insurance. You shall:

a) notify Us of any other insurance;

b) help Us exercise Our rights in any reasonable way that We may request, including the filing and assignment of other insurance benefits;

c) not do anything after the loss to prejudice Our rights; and

d) reimburse to Us, to the extent of any payment We have made, for benefits received from such other insurance.

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

72

Classic Plus
TravelSafe

Medical Evacuation & Repatriation Benefits
$1,000,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION,
MEDICAL REPATRIATION AND RETURN OF REMAINS

When You suffer loss of life for any reason or incur a Sickness or Injury during the course of Your Trip, the following benefits are payable, up to the Maximum Benefit Amount shown in the Confirmation of Benefits.

1. Emergency Medical Evacuation: If the local attending Legally Qualified Physician and the Program Medical Advisor determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment.

If You are traveling alone and will be hospitalized for more than 7 consecutive days and Emergency Medical Evacuation is not imminent, benefits will be paid to transport one person, chosen by You, by Economy Transportation, for a single visit to and from Your bedside.

If You are in the Hospital for more than 7 consecutive days and Your dependent children who are under 18 years of age and accompanying You on Your Trip are left unattended, Economy Transportation will be paid to return the dependents to their home (with an attendant, if considered necessary by the Program Medical Advisor).

2. Medical Repatriation: If the local attending Legally Qualified Physician and the Program Medical Advisor determine that it is Medically Necessary for You to return to Your primary place of residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred will be paid for Your return to Your primary place of residence or to a Hospital or medical facility closest to Your primary place of place of residence capable of providing continued treatment via one of the following methods of transportation, as approved, in writing, by the Program Medical Advisor:

i) one-way Economy Transportation;

ii) commercial air upgrade (to Business or First Class), based on Your condition as recommended by the local attending Legally Qualified Physician and verified in writing and considered necessary by the Program Medical Advisor; or

iii) other covered land or air transportation including, but not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the Program Medical Advisor. Transportation must be via the most direct and economical route.

Hospital Of Choice

Subject to the terms and conditions of item # 2, You may choose to be transported to a Hospital in a city within the United States of America other than Your primary place of residence, but the maximum amount payable is limited to the cost of transportation to Your primary place of residence.

Dispatch of a Physician: If the local attending Legally Qualified Physician and the Program Medical Advisor cannot adequately assess Your need for Medical Evacuation or Transportation, and a Physician is dispatched by the Program Medical Advisor to make such assessment, benefits will be paid for the travel expenses incurred and medical services provided by the dispatched Physician.

3. Return of Remains: In the event of Your death during a Trip, the expense incurred will be paid for minimally necessary casket or air tray, preparation and transportation of Your remains to Your primary place of residence in the United States of America or to the place of burial.

Benefits are paid less the value of Your original unused return travel ticket.

If benefits are payable and You have other insurance that may provide benefits for this same loss, We reserve the right to recover from such other insurance. You shall:

a) notify Us of any other insurance;

b) help Us exercise Our rights in any reasonable way that We may request, including the filing and assignment of other insurance benefits;

c) not do anything after the loss to prejudice Our rights; and

d) reimburse to Us, to the extent of any payment We have made, for benefits received from such other insurance.

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

Trawick International
Trawick International

73

Safe Travels USA
Trawick International

Medical Evacuation & Repatriation Benefits
$2,000,000 per person

Quote

Full Policy Wording

Emergency Medical Evacuation Benefit – We will pay 100% of Covered Expenses up to $2,000,000 if you are traveling outside of your Home Country and suffer an Injury or Sickness during the course of the Trip which requires Emergency Medical Evacuation from the place where you suffer an Injury or Sickness to the nearest Hospital or other medical facility where appropriate medical treatment can be obtained; or transportation to your Home Country to obtain further medical treatment in a Hospital or other medical facility or to recover after suffering an Injury or Sickness. An Emergency Medical Evacuation includes Medically Necessary medical treatment, medical services and medical supplies necessarily received in connection with such transportation. If after hospitalization or treatment for a covered Injury or Sickness, you are unable to continue your journey, Our designated assistance provider, in conjunction with the local attending Doctor and/or your habitual Doctor, will organize your return to your Home Country. If the gravity of the situation so dictates, Our designated assistance provider will ensure that appropriate medical care is provided to you during the return journey. If Our designated assistance provider and the local attending medical practitioner consider you stable enough to be medically repatriated, without endangering your health, and you refuse repatriation, We will continue to pay medical expense benefits incurred after the date repatriation was recommended only up to the amount that would have been payable for the medical repatriation, subject to policy maximums and limitations. Benefits will not be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance.

Benefits will not be payable unless:

1. the Doctor ordering the Emergency Medical Evacuation certifies the severity of your Injury or Sickness requires an Emergency Medical Evacuation;

2. all transportation arrangements made for the Emergency Medical Evacuation are by the most direct and economical conveyance and route possible;

3. the charges incurred are Medically Necessary and do not exceed the usual level of charges for similar transportation, treatment, services or supplies in the locality where the expense is incurred; and

4. do not include charges that would not have been made if there were no insurance.

Repatriation of Remains Benefit – We will pay 100% of Covered Expenses up to $1,000,000 for preparation and return of your body to your Home Country if you die due to an Injury or Sickness. Benefits will not be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance. Covered expenses include: 1. expenses for embalming or cremation; 2. the least costly coffin or receptacle adequate for transporting the remains; 3. transporting the remains by the most direct and least costly conveyance and route possible.

74

Safe Travels International excl US
Trawick International

Medical Evacuation & Repatriation Benefits
$2,000,000 per person

Quote

Full Policy Wording

Emergency Medical Evacuation Benefit – We will pay 100% of Covered Expenses up to $2,000,000 if you are traveling outside of your Home Country and suffer an Injury or Sickness during the course of the Trip which requires Emergency Medical Evacuation from the place where you suffer an Injury or Sickness to the nearest Hospital or other medical facility where appropriate medical treatment can be obtained; or transportation to your Home Country to obtain further medical treatment in a Hospital or other medical facility or to recover after suffering an Injury or Sickness. An Emergency Medical Evacuation includes Medically Necessary medical treatment, medical services and medical supplies necessarily received in connection with such transportation. If after hospitalization or treatment for a covered Injury or Sickness, you are unable to continue your journey, Our designated assistance provider, in conjunction with the local attending Doctor and/or your habitual Doctor, will organize your return to your Home Country. If the gravity of the situation so dictates, Our designated assistance  provider will ensure that appropriate medical care is provided to you during the return journey. If Our designated assistance provider and the local attending medical practitioner consider you stable enough to be medically repatriated, without endangering your health, and you refuse repatriation, We will continue to pay medical expense benefits incurred after the date repatriation was recommended only up to the amount that would have been payable for the medical repatriation, subject to policy maximums and limitations. Benefits will not be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance.

Benefits will not be payable unless:

1. the Doctor ordering the Emergency Medical Evacuation certifies the severity of your Injury or Sickness requires an Emergency Medical Evacuation;

2. all transportation arrangements made for the Emergency Medical Evacuation are by the most direct and economical conveyance and route possible;

3. the charges incurred are Medically Necessary and do not exceed the usual level of charges for similar transportation, treatment, services or supplies in the locality where the expense is incurred; and

4. do not include charges that would not have been made if there were no insurance.

Repatriation of Remains Benefit – We will pay 100% of Covered Expenses Repatriation Benefits up to $1,000,000 for preparation and return of your body to your Home Country if you die due to an Injury or Sickness. Benefits will not be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance. Covered expenses include: 1. expenses for embalming or cremation; 2. the least costly coffin or receptacle adequate for transporting the remains; 3. transporting the remains by the most direct and least costly conveyance and route possible.

75

Safe Travels USA Trip Protection
Trawick International

Medical Evacuation & Repatriation Benefits
$2,000,000 per person

Quote

Full Policy Wording

Emergency Medical Evacuation Benefit – We will pay 100% of Covered Expenses up to $2,000,000 if you are traveling outside of your Home Country and suffer an Injury or Sickness during the course of the Trip which requires Emergency Medical Evacuation from the place where you suffer an Injury or Sickness to the nearest Hospital or other medical facility where appropriate medical treatment can be obtained; or transportation to your Home Country to obtain further medical treatment in a Hospital or other medical facility or to recover after suffering an Injury or Sickness. An Emergency Medical Evacuation includes Medically Necessary medical treatment, medical services and medical supplies necessarily received in connection with such transportation. If after hospitalization or treatment for a covered Injury or Sickness, you are unable to continue your journey, Our designated assistance provider, in conjunction with the local attending Doctor and/or your habitual Doctor, will organize your return to your Home Country. If the gravity of the situation so dictates, Our designated assistance provider will ensure that appropriate medical care is provided to you during the return journey. If Our designated assistance provider and the local attending medical practitioner consider you stable enough to be medically repatriated, without endangering your health, and you refuse repatriation, We will continue to pay medical expense benefits incurred after the date repatriation was recommended only up to the amount that would have been payable for the medical repatriation, subject to policy maximums and limitations. Benefits will not be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance.

Benefits will not be payable unless:

1. the Doctor ordering the Emergency Medical Evacuation certifies the severity of your Injury or Sickness requires an Emergency Medical Evacuation;

2. all transportation arrangements made for the Emergency Medical Evacuation are by the most direct and economical conveyance and route possible;

3. the charges incurred are Medically Necessary and do not exceed the usual level of charges for similar transportation, treatment, services or supplies in the locality where the expense is incurred; and

4. do not include charges that would not have been made if there were no insurance.

Repatriation of Remains Benefit – We will pay 100% of Covered Expenses Repatriation Benefits for preparation and return of your body to your Home Country if you die due to an Injury or Sickness. Benefits will not be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance. Covered expenses include: 1. expenses for embalming or cremation; 2. the least costly coffin or receptacle adequate for transporting the remains; 3. transporting the remains by the most direct and least costly conveyance and route possible.

76

Safe Travels International Cost Saver excl US
Trawick International

Medical Evacuation & Repatriation Benefits
$2,000,000 per person

Quote

Full Policy Wording

Emergency Medical Evacuation Benefit -

We will pay up to $2,000,000 if you are traveling outside of your Home Country and suffer an Injury or Sickness during the course of the Trip which requires Emergency Medical Evacuation from the place where you suffer an Injury or Sickness to the nearest Hospital or other medical facility where appropriate medical treatment can be obtained; or transportation to your Home Country to obtain further medical treatment in a Hospital or other medical facility or to recover after suffering an Injury or Sickness. An Emergency Medical Evacuation includes Medically Necessary medical treatment, medical services and medical supplies necessarily received in connection with such transportation. If after hospitalization or treatment for a covered Injury or Sickness, you are unable to continue your journey, Our designated assistance provider, in conjunction with the local attending Doctor and/or your habitual Doctor, will organize your return to your Home Country. If the gravity of the situation so dictates, Our designated assistance provider will ensure that appropriate medical care is provided to you during the return journey. If Our designated assistance provider and the local attending medical practitioner consider you stable enough to be medically repatriated, without endangering your health, and you refuse repatriation, We will continue to pay medical expense benefits incurred after the date repatriation was recommended only up to the amount that would have been payable for the medical repatriation, subject to policy maximums and limitations. Benefits will not be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance. Benefits will not be payable unless: 1. the Doctor ordering the Emergency Medical Evacuation certifies the severity of your Injury or Sickness requires an Emergency Medical Evacuation; 2. all transportation arrangements made for the Emergency Medical Evacuation are by the most direct and economical conveyance and route possible; 3. the charges incurred are Medically Necessary and do not exceed the usual level of charges for similar transportation, treatment, services or supplies in the locality where the expense is incurred; and 4. do not include charges that would not have been made if there were no insurance.

Repatriation of Remains Benefit -

We will pay 100% of Covered Expenses up to $1,000,000 for preparation and return of your body to your Home Country if you die due to a Covered Injury or Sickness. Benefits will not be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance. Covered expenses include: 1. expenses for embalming or cremation; 2. the least costly coffin or receptacle adequate for transporting the remains; and 3. transporting the remains by the most direct and least costly conveyance and route possible.

Emergency Reunion Benefit -

Up to $15,000 maximum. Covers the cost of one economy airfare ticket and other local travel related expenses; or the reasonable expenses incurred for lodging and meals of your Family Member for a period of up to 10 days to accompany you to your Home Country or Hospital where you are confined if: 1. the Emergency Medical Evacuation Benefit is payable under the Policy; and 2. you are alone outside of your Home Country; and 3. the place of confinement is more than 100 miles from your Home Country; and 4. expenses were authorized in advance by the Company.

77

Safe Travels USA Cost Saver
Trawick International

Medical Evacuation & Repatriation Benefits
$2,000,000 per person

Quote

Full Policy Wording

Emergency Medical Evacuation Benefit -

We will pay 100% of Covered Expenses up to $2,000,000 if you are traveling outside of your Home Country and suffer an Injury or Sickness during the course of the Trip which requires Emergency Medical Evacuation from the place where you suffer an Injury or Sickness to the nearest Hospital or other medical facility where appropriate medical treatment can be obtained; or transportation to your Home Country to obtain further medical treatment in a Hospital or other medical facility or to recover after suffering an Injury or Sickness. An Emergency Medical Evacuation includes Medically Necessary medical treatment, medical services and medical supplies necessarily received in connection with such transportation. If after hospitalization or treatment for a covered Injury or Sickness, you are unable to continue your journey, Our designated assistance provider, in conjunction with the local attending Doctor and/or your habitual Doctor, will organize your return to your Home Country. If the gravity of the situation so dictates, Our designated assistance provider will ensure that appropriate medical care is provided to you during the return journey. If Our designated assistance provider and the local attending medical practitioner consider you stable enough to be medically repatriated, without endangering your health, and you refuse repatriation, We will continue to pay medical expense benefits incurred after the date repatriation was recommended only up to the amount that would have been payable for the medical repatriation, subject to policy maximums and limitations. Benefits will not be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance.

Benefits will not be payable unless:

1. the Doctor ordering the Emergency Medical Evacuation certifies the severity of your Injury or Sickness requires an Emergency Medical Evacuation;

2. all transportation arrangements made for the Emergency Medical Evacuation are by the most direct and economical conveyance and route possible;

3. the charges incurred are Medically Necessary and do not exceed the usual level of charges for similar transportation, treatment, services or supplies in the locality where the expense is incurred; and

4. do not include charges that would not have been made if there were no insurance.

Repatriation of Remains Benefit – We will pay 100% up to $1,000,000 for preparation and return of your body to your Home Country if you die due to an Injury or Sickness. Benefits will not be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance. Covered expenses include: 1. expenses for embalming or cremation; 2. the least costly coffin or receptacle adequate for transporting the remains; 3. transporting the remains by the most direct and least costly conveyance and route possible.

Emergency Reunion Benefit – up to $15,000 maximum. Covers the cost of one economy airfare ticket and other local travel related expenses; or the reasonable expenses incurred for lodging and meals of your Family Member for a period of up to 10 days to accompany you to your Home Country or Hospital where you are confined if: 1. the Emergency Medical Evacuation Benefit is payable under the Policy; and 2. you are alone outside of your Home Country; and 3. the place of confinement is more than 100 miles from your Home Country; and 4. expenses were authorized in advance by the Company.

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

78

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

Medical Evacuation & Repatriation Benefits
$100,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION/REPATRIATION

The plan will pay Covered Expenses incurred up to the maximum stated in the Schedule of Benefits if any covered Injury or Illness commences during the Period of Coverage and results in Your Medically Necessary Emergency Medical Evacuation or Repatriation (Your medical condition warrants immediate transportation from the medical facility where You are located to the nearest adequate medical facility where medical Treatment can be obtained). This benefit must be approved and arranged by Seven Corners Assist in consultation with the local attending Physician. Emergency Medical Evacuation or Repatriation means: a) the Insured Person’s medical condition warrants immediate transportation from the place where the Insured Person is located (due to inadequate medical facilities) to the nearest adequate medical facility where medical Treatment can be obtained; or b) after being treated at a local medical facility as a result of a Medical Evacuation, the Insured Person’s medical condition warrants transportation with a qualified medical attendant to his/her Home Country to obtain further medical Treatment or to recover; or c) both a) and b) above. All transportation arrangements must be by the most direct and economical route. The Emergency Medical Evacuation or Repatriation must be arranged by Seven Corners Assist in consultation with the Insured Person’s local attending Physician. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

RETURN OF MORTAL REMAINS

The plan will pay the reasonable Covered Expenses incurred up to the maximum stated in the Schedule of Benefits to return Your remains to Your Home Country if You should die. This benefit must be approved and arranged by Seven Corners Assist. Covered Expenses include, but are not limited to, expenses for embalming, a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

RETURN OF MINOR CHILD

If You are traveling alone with a Minor Child(ren) and are hospitalized because of a covered Illness or Injury, and the Minor Child(ren), under age nineteen (19), is left unattended, the plan will arrange and pay up to the maximum stated in the Schedule of Benefits for a one-way economy fare to their Home Country (including the cost of an attendant/escort, if necessary to insure the safety and welfare of a Minor Child(ren)). This benefit must be approved and arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

EMERGENCY MEDICAL REUNION

When Emergency Medical Evacuation or Repatriation is ordered, and the attending Physician recommends that a family member travel with You, the plan will arrange and pay up to the maximum stated in the Schedule of Benefits for roundtrip economy-class transportation for one individual of Your choice, from Your Home Country, to be at Your side while You are hospitalized. This benefit must be approved and arranged by Seven Corners Assist. The benefits payable will include: (1) The cost of a roundtrip economy airfare; (2) Reasonable travel and accommodation expenses (not to exceed $200 per day) incurred in relation to the maximum stated in the Schedule of Benefits; (3) The period of Emergency Medical Reunion is not to exceed ten (10) days, including travel. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

79

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

Medical Evacuation & Repatriation Benefits
$50,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION/REPATRIATION

The plan will pay Covered Expenses incurred up to the maximum stated in the Schedule of Benefits if any covered Injury or Illness commences during the Period of Coverage and results in Your Medically Necessary Emergency Medical Evacuation or Repatriation (Your medical condition warrants immediate transportation from the medical facility where You are located to the nearest adequate medical facility where medical Treatment can be obtained). This benefit must be approved and arranged by Seven Corners Assist in consultation with the local attending Physician. Emergency Medical Evacuation or Repatriation means: a) the Insured Person’s medical condition warrants immediate transportation from the place where the Insured Person is located (due to inadequate medical facilities) to the nearest adequate medical facility where medical Treatment can be obtained; or b) after being treated at a local medical facility as a result of a Medical Evacuation, the Insured Person’s medical condition warrants transportation with a qualified medical attendant to his/her Home Country to obtain further medical Treatment or to recover; or c) both a) and b) above. All transportation arrangements must be by the most direct and economical route. The Emergency Medical Evacuation or Repatriation must be arranged by Seven Corners Assist in consultation with the Insured Person’s local attending Physician. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

RETURN OF MORTAL REMAINS

The plan will pay the reasonable Covered Expenses incurred up to the maximum stated in the Schedule of Benefits to return Your remains to Your Home Country if You should die. This benefit must be approved and arranged by Seven Corners Assist. Covered Expenses include, but are not limited to, expenses for embalming, a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

RETURN OF MINOR CHILD

If You are traveling alone with a Minor Child(ren) and are hospitalized because of a covered Illness or Injury, and the Minor Child(ren), under age nineteen (19), is left unattended, the plan will arrange and pay up to the maximum stated in the Schedule of Benefits for a one-way economy fare to their Home Country (including the cost of an attendant/escort, if necessary to insure the safety and welfare of a Minor Child(ren)). This benefit must be approved and arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

EMERGENCY MEDICAL REUNION

When Emergency Medical Evacuation or Repatriation is ordered, and the attending Physician recommends that a family member travel with You, the plan will arrange and pay up to the maximum stated in the Schedule of Benefits for roundtrip economy-class transportation for one individual of Your choice, from Your Home Country, to be at Your side while You are hospitalized. This benefit must be approved and arranged by Seven Corners Assist. The benefits payable will include: (1) The cost of a roundtrip economy airfare; (2) Reasonable travel and accommodation expenses (not to exceed $200 per day) incurred in relation to the maximum stated in the Schedule of Benefits; (3) The period of Emergency Medical Reunion is not to exceed ten (10) days, including travel. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

80

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

Medical Evacuation & Repatriation Benefits
$100,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION/REPATRIATION

The plan will pay Covered Expenses incurred up to the maximum stated in the Schedule of Benefits if any covered Injury or Illness commences during the Period of Coverage and results in Your Medically Necessary Emergency Medical Evacuation or Repatriation (Your medical condition warrants immediate transportation from the medical facility where You are located to the nearest adequate medical facility where medical Treatment can be obtained). This benefit must be approved and arranged by Seven Corners Assist in consultation with the local attending Physician. Emergency Medical Evacuation or Repatriation means: a) the Insured Person’s medical condition warrants immediate transportation from the place where the Insured Person is located (due to inadequate medical facilities) to the nearest adequate medical facility where medical Treatment can be obtained; or b) after being treated at a local medical facility as a result of a Medical Evacuation, the Insured Person’s medical condition warrants transportation with a qualified medical attendant to his/her Home Country to obtain further medical Treatment or to recover; or c) both a) and b) above. All transportation arrangements must be by the most direct and economical route. The Emergency Medical Evacuation or Repatriation must be arranged by Seven Corners Assist in consultation with the Insured Person’s local attending Physician. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

RETURN OF MORTAL REMAINS

The plan will pay the reasonable Covered Expenses incurred up to the maximum stated in the Schedule of Benefits to return Your remains to Your Home Country if You should die. This benefit must be approved and arranged by Seven Corners Assist. Covered Expenses include, but are not limited to, expenses for embalming, a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

RETURN OF MINOR CHILD

If You are traveling alone with a Minor Child(ren) and are hospitalized because of a covered Illness or Injury, and the Minor Child(ren), under age nineteen (19), is left unattended, the plan will arrange and pay up to the maximum stated in the Schedule of Benefits for a one-way economy fare to their Home Country (including the cost of an attendant/escort, if necessary to insure the safety and welfare of a Minor Child(ren)). This benefit must be approved and arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

EMERGENCY MEDICAL REUNION

When Emergency Medical Evacuation or Repatriation is ordered, and the attending Physician recommends that a family member travel with You, the plan will arrange and pay up to the maximum stated in the Schedule of Benefits for roundtrip economy-class transportation for one individual of Your choice, from Your Home Country, to be at Your side while You are hospitalized. This benefit must be approved and arranged by Seven Corners Assist. The benefits payable will include: (1) The cost of a roundtrip economy airfare; (2) Reasonable travel and accommodation expenses (not to exceed $200 per day) incurred in relation to the maximum stated in the Schedule of Benefits; (3) The period of Emergency Medical Reunion is not to exceed ten (10) days, including travel. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

81

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

Medical Evacuation & Repatriation Benefits
$100,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION/REPATRIATION

The plan will pay Covered Expenses incurred up to the maximum stated in the Schedule of Benefits if any covered Injury or Illness commences during the Period of Coverage and results in Your Medically Necessary Emergency Medical Evacuation or Repatriation (Your medical condition warrants immediate transportation from the medical facility where You are located to the nearest adequate medical facility where medical Treatment can be obtained). This benefit must be approved and arranged by Seven Corners Assist in consultation with the local attending Physician. Emergency Medical Evacuation or Repatriation means: a) the Insured Person’s medical condition warrants immediate transportation from the place where the Insured Person is located (due to inadequate medical facilities) to the nearest adequate medical facility where medical Treatment can be obtained; or b) after being treated at a local medical facility as a result of a Medical Evacuation, the Insured Person’s medical condition warrants transportation with a qualified medical attendant to his/her Home Country to obtain further medical Treatment or to recover; or c) both a) and b) above. All transportation arrangements must be by the most direct and economical route. The Emergency Medical Evacuation or Repatriation must be arranged by Seven Corners Assist in consultation with the Insured Person’s local attending Physician. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

RETURN OF MORTAL REMAINS

The plan will pay the reasonable Covered Expenses incurred up to the maximum stated in the Schedule of Benefits to return Your remains to Your Home Country if You should die. This benefit must be approved and arranged by Seven Corners Assist. Covered Expenses include, but are not limited to, expenses for embalming, a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

RETURN OF MINOR CHILD

If You are traveling alone with a Minor Child(ren) and are hospitalized because of a covered Illness or Injury, and the Minor Child(ren), under age nineteen (19), is left unattended, the plan will arrange and pay up to the maximum stated in the Schedule of Benefits for a one-way economy fare to their Home Country (including the cost of an attendant/escort, if necessary to insure the safety and welfare of a Minor Child(ren)). This benefit must be approved and arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

EMERGENCY MEDICAL REUNION

When Emergency Medical Evacuation or Repatriation is ordered, and the attending Physician recommends that a family member travel with You, the plan will arrange and pay up to the maximum stated in the Schedule of Benefits for roundtrip economy-class transportation for one individual of Your choice, from Your Home Country, to be at Your side while You are hospitalized. This benefit must be approved and arranged by Seven Corners Assist. The benefits payable will include: (1) The cost of a roundtrip economy airfare; (2) Reasonable travel and accommodation expenses (not to exceed $200 per day) incurred in relation to the maximum stated in the Schedule of Benefits; (3) The period of Emergency Medical Reunion is not to exceed ten (10) days, including travel. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

82

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

Medical Evacuation & Repatriation Benefits
$50,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION/REPATRIATION

The plan will pay Covered Expenses incurred up to the maximum stated in the Schedule of Benefits if any covered Injury or Illness commences during the Period of Coverage and results in Your Medically Necessary Emergency Medical Evacuation or Repatriation (Your medical condition warrants immediate transportation from the medical facility where You are located to the nearest adequate medical facility where medical Treatment can be obtained). This benefit must be approved and arranged by Seven Corners Assist in consultation with the local attending Physician. Emergency Medical Evacuation or Repatriation means: a) the Insured Person’s medical condition warrants immediate transportation from the place where the Insured Person is located (due to inadequate medical facilities) to the nearest adequate medical facility where medical Treatment can be obtained; or b) after being treated at a local medical facility as a result of a Medical Evacuation, the Insured Person’s medical condition warrants transportation with a qualified medical attendant to his/her Home Country to obtain further medical Treatment or to recover; or c) both a) and b) above. All transportation arrangements must be by the most direct and economical route. The Emergency Medical Evacuation or Repatriation must be arranged by Seven Corners Assist in consultation with the Insured Person’s local attending Physician. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

RETURN OF MORTAL REMAINS

The plan will pay the reasonable Covered Expenses incurred up to the maximum stated in the Schedule of Benefits to return Your remains to Your Home Country if You should die. This benefit must be approved and arranged by Seven Corners Assist. Covered Expenses include, but are not limited to, expenses for embalming, a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

RETURN OF MINOR CHILD

If You are traveling alone with a Minor Child(ren) and are hospitalized because of a covered Illness or Injury, and the Minor Child(ren), under age nineteen (19), is left unattended, the plan will arrange and pay up to the maximum stated in the Schedule of Benefits for a one-way economy fare to their Home Country (including the cost of an attendant/escort, if necessary to insure the safety and welfare of a Minor Child(ren)). This benefit must be approved and arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

EMERGENCY MEDICAL REUNION

When Emergency Medical Evacuation or Repatriation is ordered, and the attending Physician recommends that a family member travel with You, the plan will arrange and pay up to the maximum stated in the Schedule of Benefits for roundtrip economy-class transportation for one individual of Your choice, from Your Home Country, to be at Your side while You are hospitalized. This benefit must be approved and arranged by Seven Corners Assist. The benefits payable will include: (1) The cost of a roundtrip economy airfare; (2) Reasonable travel and accommodation expenses (not to exceed $200 per day) incurred in relation to the maximum stated in the Schedule of Benefits; (3) The period of Emergency Medical Reunion is not to exceed ten (10) days, including travel. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

83

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

Medical Evacuation & Repatriation Benefits
$100,000 per person

Quote

Full Policy Wording

EMERGENCY MEDICAL EVACUATION/REPATRIATION

The plan will pay Covered Expenses incurred up to the maximum stated in the Schedule of Benefits if any covered Injury or Illness commences during the Period of Coverage and results in Your Medically Necessary Emergency Medical Evacuation or Repatriation (Your medical condition warrants immediate transportation from the medical facility where You are located to the nearest adequate medical facility where medical Treatment can be obtained). This benefit must be approved and arranged by Seven Corners Assist in consultation with the local attending Physician. Emergency Medical Evacuation or Repatriation means: a) the Insured Person’s medical condition warrants immediate transportation from the place where the Insured Person is located (due to inadequate medical facilities) to the nearest adequate medical facility where medical Treatment can be obtained; or b) after being treated at a local medical facility as a result of a Medical Evacuation, the Insured Person’s medical condition warrants transportation with a qualified medical attendant to his/her Home Country to obtain further medical Treatment or to recover; or c) both a) and b) above. All transportation arrangements must be by the most direct and economical route. The Emergency Medical Evacuation or Repatriation must be arranged by Seven Corners Assist in consultation with the Insured Person’s local attending Physician. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

RETURN OF MORTAL REMAINS

The plan will pay the reasonable Covered Expenses incurred up to the maximum stated in the Schedule of Benefits to return Your remains to Your Home Country if You should die. This benefit must be approved and arranged by Seven Corners Assist. Covered Expenses include, but are not limited to, expenses for embalming, a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

RETURN OF MINOR CHILD

If You are traveling alone with a Minor Child(ren) and are hospitalized because of a covered Illness or Injury, and the Minor Child(ren), under age nineteen (19), is left unattended, the plan will arrange and pay up to the maximum stated in the Schedule of Benefits for a one-way economy fare to their Home Country (including the cost of an attendant/escort, if necessary to insure the safety and welfare of a Minor Child(ren)). This benefit must be approved and arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

EMERGENCY MEDICAL REUNION

When Emergency Medical Evacuation or Repatriation is ordered, and the attending Physician recommends that a family member travel with You, the plan will arrange and pay up to the maximum stated in the Schedule of Benefits for roundtrip economy-class transportation for one individual of Your choice, from Your Home Country, to be at Your side while You are hospitalized. This benefit must be approved and arranged by Seven Corners Assist. The benefits payable will include: (1) The cost of a roundtrip economy airfare; (2) Reasonable travel and accommodation expenses (not to exceed $200 per day) incurred in relation to the maximum stated in the Schedule of Benefits; (3) The period of Emergency Medical Reunion is not to exceed ten (10) days, including travel. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

84

GlobalTrip Classic
USA-ASSIST Worldwide Protection

Medical Evacuation & Repatriation Benefits
$250,000 per person

Quote

Full Policy Wording

You are eligible for benefits equal to the benefit amount purchased for:

1. Medical evacuation which is determined by a Legally Qualified Physician and the authorized Claims Administrator when Injury or Sickness is acute or life threatening and adequate treatment is not available at a local Hospital. Transportation will be provided to the closest Hospital or medical facility capable of providing adequate treatment;

2. Medical repatriation is provided when it is deemed Medically Necessary by a Legally Qualified Physician and the authorized Claims Administrator for You to return to Your home or a Hospital near Your home for continued treatment. Transportation Expense incurred will be paid for You via one-way Economy Transportation; or commercial upgrade, based on Your condition as recommended by the local attending Legally Qualified Physician and the authorized Administrator : a) to return to Your permanent residence or b) to be moved to a Hospital or medical facility closest to Your permanent place of residence capable of providing that treatment;

3. Either: a) transportation will be provided for the return trip home via Economy Transportation for any dependent children under 18 who are accompanying You if You are confined to a Hospital for more than 7 consecutive days; or b) if You are traveling alone and are confined to a Hospital for more than 7 consecutive days, this benefit will provide one round-trip Economy Transportation for a person of Your choice to visit You in a Hospital.

4. Benefits will also be paid to return Your mortal remains to your home country should You die while on your trip (as listed in the Travel Assistance Services Section). In such event, the maximum benefit amount will be up to US$ 5,000 towards the actual cost incurred for preparation of remains; homeward transportation of the deceased insured person to his country of residence; or cremation and/or burial at the place of death of the insured person. Please note, the costs for items/services such as casket, urn or transportation from airport in country of origin to funeral home are not covered by this policy benefit.

These benefits provide the most appropriate and Economical Transportation by the most direct and economical route. This benefit for land or air transportation includes, but is not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the authorized Administrator.

Benefits are calculated less the value of an unused return travel ticket. If benefits are payable under Your Protection Plan and You have other protection that may provide benefits for this same loss, we reserve the right to recover from such other protection.

Pre-existing Condition limitation is automatically waived for Emergency Medical Evacuation / Repatriation benefits.

85

GlobalTrip Saver
USA-ASSIST Worldwide Protection

Medical Evacuation & Repatriation Benefits
$250,000 per person

Quote

Full Policy Wording

You are eligible for benefits equal to the benefit amount purchased for:

1. Medical evacuation which is determined by a Legally Qualified Physician and the authorized Claims Administrator when Injury or Sickness is acute or life threatening and adequate treatment is not available at a local Hospital. Transportation will be provided to the closest Hospital or medical facility capable of providing adequate treatment;

2. Medical repatriation is provided when it is deemed Medically Necessary by a Legally Qualified Physician and the authorized Claims Administrator for You to return to Your home or a Hospital near Your home for continued treatment. Transportation Expense incurred will be paid for You via one-way Economy Transportation; or commercial upgrade, based on Your condition as recommended by the local attending Legally Qualified Physician and the authorized Administrator : a) to return to Your permanent residence or b) to be moved to a Hospital or medical facility closest to Your permanent place of residence capable of providing that treatment;

3. Either: a) transportation will be provided for the return trip home via Economy Transportation for any dependent children under 18 who are accompanying You if You are confined to a Hospital for more than 7 consecutive days; or b) if You are traveling alone and are confined to a Hospital for more than 7 consecutive days, this benefit will provide one round-trip Economy Transportation for a person of Your choice to visit You in a Hospital.

4. Benefits will also be paid to return Your mortal remains to your home country should You die while on your trip (as listed in the Travel Assistance Services Section). In such event, the maximum benefit amount will be up to US$ 5,000 towards the actual cost incurred for preparation of remains; homeward transportation of the deceased insured person to his country of residence; or cremation and/or burial at the place of death of the insured person. Please note, the costs for items/services such as casket, urn or transportation from airport in country of origin to funeral home are not covered by this policy benefit.

These benefits provide the most appropriate and Economical Transportation by the most direct and economical route. This benefit for land or air transportation includes, but is not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the authorized Administrator.

Benefits are calculated less the value of an unused return travel ticket. If benefits are payable under Your Protection Plan and You have other protection that may provide benefits for this same loss, we reserve the right to recover from such other protection.

Pre-existing Condition limitation is automatically waived for Emergency Medical Evacuation / Repatriation benefits.

86

GlobalTrip Plus
USA-ASSIST Worldwide Protection

Medical Evacuation & Repatriation Benefits
$250,000 per person

Quote

Full Policy Wording

You are eligible for benefits equal to the benefit amount purchased for:

1. Medical evacuation which is determined by a Legally Qualified Physician and the authorized Claims Administrator when Injury or Sickness is acute or life threatening and adequate treatment is not available at a local Hospital. Transportation will be provided to the closest Hospital or medical facility capable of providing adequate treatment;

2. Medical repatriation is provided when it is deemed Medically Necessary by a Legally Qualified Physician and the authorized Claims Administrator for You to return to Your home or a Hospital near Your home for continued treatment. Transportation Expense incurred will be paid for You via one-way Economy Transportation; or commercial upgrade, based on Your condition as recommended by the local attending Legally Qualified Physician and the authorized Administrator : a) to return to Your permanent residence or b) to be moved to a Hospital or medical facility closest to Your permanent place of residence capable of providing that treatment;

3. Either: a) transportation will be provided for the return trip home via Economy Transportation for any dependent children under 18 who are accompanying You if You are confined to a Hospital for more than 7 consecutive days; or b) if You are traveling alone and are confined to a Hospital for more than 7 consecutive days, this benefit will provide one round-trip Economy Transportation for a person of Your choice to visit You in a Hospital.

4. Benefits will also be paid to return Your mortal remains to your home country should You die while on your trip (as listed in the Travel Assistance Services Section). In such event, the maximum benefit amount will be up to US$ 5,000 towards the actual cost incurred for preparation of remains; homeward transportation of the deceased insured person to his country of residence; or cremation and/or burial at the place of death of the insured person. Please note, the costs for items/services such as casket, urn or transportation from airport in country of origin to funeral home are not covered by this policy benefit.

These benefits provide the most appropriate and Economical Transportation by the most direct and economical route. This benefit for land or air transportation includes, but is not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the authorized Administrator.

Benefits are calculated less the value of an unused return travel ticket. If benefits are payable under Your Protection Plan and You have other protection that may provide benefits for this same loss, we reserve the right to recover from such other protection.

Pre-existing Condition limitation is automatically waived for Emergency Medical Evacuation / Repatriation benefits.

87

GlobalTrip High Medical
USA-ASSIST Worldwide Protection

Medical Evacuation & Repatriation Benefits
$250,000 per person

Quote

Full Policy Wording

You are eligible for benefits equal to the benefit amount purchased for:

1. Medical evacuation which is determined by a Legally Qualified Physician and the authorized Claims Administrator when Injury or Sickness is acute or life threatening and adequate treatment is not available at a local Hospital. Transportation will be provided to the closest Hospital or medical facility capable of providing adequate treatment;

2. Medical repatriation is provided when it is deemed Medically Necessary by a Legally Qualified Physician and the authorized Claims Administrator for You to return to Your home or a Hospital near Your home for continued treatment. Transportation Expense incurred will be paid for You via one-way Economy Transportation; or commercial upgrade, based on Your condition as recommended by the local attending Legally Qualified Physician and the authorized Administrator : a) to return to Your permanent residence or b) to be moved to a Hospital or medical facility closest to Your permanent place of residence capable of providing that treatment;

3. Either: a) transportation will be provided for the return trip home via Economy Transportation for any dependent children under 18 who are accompanying You if You are confined to a Hospital for more than 7 consecutive days; or b) if You are traveling alone and are confined to a Hospital for more than 7 consecutive days, this benefit will provide one round-trip Economy Transportation for a person of Your choice to visit You in a Hospital.

4. Benefits will also be paid to return Your mortal remains to your home country should You die while on your trip (as listed in the Travel Assistance Services Section). In such event, the maximum benefit amount will be up to US$ 5,000 towards the actual cost incurred for preparation of remains; homeward transportation of the deceased insured person to his country of residence; or cremation and/or burial at the place of death of the insured person. Please note, the costs for items/services such as casket, urn or transportation from airport in country of origin to funeral home are not covered by this policy benefit.

These benefits provide the most appropriate and Economical Transportation by the most direct and economical route. This benefit for land or air transportation includes, but is not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the authorized Administrator.

Benefits are calculated less the value of an unused return travel ticket. If benefits are payable under Your Protection Plan and You have other protection that may provide benefits for this same loss, we reserve the right to recover from such other protection.

Pre-existing Condition limitation is automatically waived for Emergency Medical Evacuation / Repatriation benefits.