Missed Connection Full Policy Wording

Each policy’s Missed Connection coverage is detailed below. View the coverage summary here.

AXA Assistance USA
AXA Assistance USA

1

Silver
AXA Assistance USA

Missed Connection Benefits
$500 per person Covered after 3 hour delay Cruise and tour only

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Full Policy Wording

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You miss Your Cruise and tour departure, scheduled during Your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather.

Benefits are provided for:

• additional transportation expenses needed for You to join Your departed Cruise and tour;

• reasonable accommodation and meal expenses (up to the limit shown on the Confirmation of Coverage); and

• pre-paid nonrefundable Trip payments for the unused portion of Your Cruise and tour.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise and tour due to Inclement Weather.

2

Gold
AXA Assistance USA

Missed Connection Benefits
$1,000 per person Covered after 3 hour delay Cruise and tour only

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Full Policy Wording

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You miss Your Cruise and tour departure, scheduled during Your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather.

Benefits are provided for:

• additional transportation expenses needed for You to join Your departed Cruise and tour;

• reasonable accommodation and meal expenses (up to the limit shown on the Confirmation of Coverage); and

• pre-paid nonrefundable Trip payments for the unused portion of Your Cruise and tour.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise and tour due to Inclement Weather.

3

Platinum
AXA Assistance USA

Missed Connection Benefits
$1,500 per person Covered after 3 hour delay Cruise and tour only

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Full Policy Wording

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You miss Your Cruise and tour departure, scheduled during Your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather.

Benefits are provided for:

• additional transportation expenses needed for You to join Your departed Cruise and tour;

• reasonable accommodation and meal expenses (up to the limit shown on the Confirmation of Coverage); and

• pre-paid nonrefundable Trip payments for the unused portion of Your Cruise and tour.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise and tour due to Inclement Weather.

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

4

ExactCare
Berkshire Hathaway Travel Protection

Missed Connection Benefits
$500 per person Covered after 3 hour delay

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Full Policy Wording

MISSED CONNECTION

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

(b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

Cat 70
Cat 70

5

Travel Plan
Cat 70

Missed Connection Benefits
$500 per person Covered after 3 hour delay

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Full Policy Wording

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

Generali Global Assistance
Generali Global Assistance

6

Standard
Generali Global Assistance

Missed Connection Benefits
$500 per person Covered after 3 hour delay Cruise and tour only

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Full Policy Wording

MISSED CONNECTION COVERAGE

We will pay for Covered Expenses up to the amount in the Schedule should you miss your cruise or tour departure as a result of the cancellation or delay of 3 hours or more of your regularly scheduled airline flight due to adverse weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise or tour, reasonable additional Accommodation and meal expenses incurred en route to catch up to the cruise or tour, and non-refundable cruise or tour payments for the unused portion of your water or land arrangements. This coverage is available if no other coverage is provided by a Common Carrier or other party at no cost to you, and if no coverage is available elsewhere in the Policy.

7

Preferred
Generali Global Assistance

Missed Connection Benefits
$750 per person Covered after 3 hour delay Cruise and tour only

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Full Policy Wording

MISSED CONNECTION COVERAGE

We will pay for Covered Expenses up to the amount in the Schedule should you miss your cruise or tour departure as a result of the cancellation or delay of 3 hours or more of your regularly scheduled airline flight due to adverse weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise or tour, reasonable additional Accommodation and meal expenses incurred en route to catch up to the cruise or tour, and non-refundable cruise or tour payments for the unused portion of your water or land arrangements. This coverage is available if no other coverage is provided by a Common Carrier or other party at no cost to you, and if no coverage is available elsewhere in the Policy.

8

Premium
Generali Global Assistance

Missed Connection Benefits
$1,000 per person Covered after 3 hour delay Cruise and tour only

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Full Policy Wording

MISSED CONNECTION COVERAGE

We will pay for Covered Expenses up to the amount in the Schedule should you miss your cruise or tour departure as a result of the cancellation or delay of 3 hours or more of your regularly scheduled airline flight due to adverse weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise or tour, reasonable additional Accommodation and meal expenses incurred en route to catch up to the cruise or tour, and non-refundable cruise or tour payments for the unused portion of your water or land arrangements. This coverage is available if no other coverage is provided by a Common Carrier or other party at no cost to you, and if no coverage is available elsewhere in the Policy.

GeoBlue
GeoBlue

9

Trekker Choice excl US
GeoBlue

Missed Connection Benefits
No coverage

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Full Policy Wording

There is no Missed Connection coverage with this plan.

10

Trekker Essential excl US
GeoBlue

Missed Connection Benefits
No coverage

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Full Policy Wording

There is no Missed Connection coverage with this plan.

HTH Travel Insurance
HTH Travel Insurance

11

TripProtector Preferred
HTH Travel Insurance

Missed Connection Benefits
$1,000 per person Covered after 3 hour delay Cruise only

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Full Policy Wording

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You miss Your Cruise departure, scheduled during Your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather or any Common Carrier caused delay. Benefits are provided for:

• additional transportation expenses needed for You to join Your departed Cruise;

• reasonable accommodation and meal expenses (up to the per day limit shown on the Confirmation of Coverage); and

• pre-paid nonrefundable Trip payments for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise due to Inclement Weather.

12

TripProtector Economy
HTH Travel Insurance

Missed Connection Benefits
$250 per person Covered after 3 hour delay Cruise only

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Full Policy Wording

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You miss Your Cruise departure, scheduled during Your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather or any Common Carrier caused delay. Benefits are provided for:

• additional transportation expenses needed for You to join Your departed Cruise;

• reasonable accommodation and meal expenses (up to the per day limit shown on the Confirmation of Coverage); and

• pre-paid nonrefundable Trip payments for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise due to Inclement Weather.

13

TripProtector Classic
HTH Travel Insurance

Missed Connection Benefits
$500 per person Covered after 3 hour delay Cruise only

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Full Policy Wording

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You miss Your Cruise departure, scheduled during Your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather or any Common Carrier caused delay. Benefits are provided for:

• additional transportation expenses needed for You to join Your departed Cruise;

• reasonable accommodation and meal expenses (up to the per day limit shown on the Confirmation of Coverage); and

• pre-paid nonrefundable Trip payments for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise due to Inclement Weather.

iTravelInsured
iTravelInsured

14

Travel Lite
iTravelInsured

Missed Connection Benefits
No coverage

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Full Policy Wording

There is no Missed Connection coverage with this plan.

15

Travel SE
iTravelInsured

Missed Connection Benefits
$500 per person Covered after 6 hour delay Cruise and tour only

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Full Policy Wording

Missed Connection

If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for six (6) or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip; and

b) Your Prepaid expenses for the unused land or water Travel Arrangements; and

c) reasonable accommodation and meal expenses up to one hundred twenty-five dollars ($125) per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.

Your delayed arrival must be due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

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

16

Travel LX
iTravelInsured

Missed Connection Benefits
$500 per person Covered after 3 hour delay Cruise and tour only

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Full Policy Wording

Missed Connection

If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for three (3) or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip; and

b) Your Prepaid expenses for the unused land or water Travel Arrangements; and

c) reasonable accommodation and meal expenses up to one hundred twenty-five dollars ($125) per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.

Your delayed arrival must be due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

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.

17

Bronze
John Hancock Insurance Agency, Inc.

Missed Connection Benefits
$200 per person Covered after 3 hour delay

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Full Policy Wording

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

18

Silver
John Hancock Insurance Agency, Inc.

Missed Connection Benefits
$750 per person Covered after 3 hour delay

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Full Policy Wording

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

19

Gold
John Hancock Insurance Agency, Inc.

Missed Connection Benefits
$1,000 per person Covered after 3 hour delay

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Full Policy Wording

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company

20

Prime
Nationwide Mutual Insurance Company

Missed Connection Benefits
$500 per person Covered after 3 hour delay Cruise only

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Full Policy Wording

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You miss Your Cruise departure, scheduled during Your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather.

Benefits are provided for:

• additional transportation expenses needed for You to join Your departed Cruise;

• reasonable accommodation and meal expenses (up to the limit shown on the Confirmation of Coverage); and

• pre-paid nonrefundable Trip payments for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise due to Inclement Weather.

RoamRight
RoamRight

21

Essential
RoamRight

Missed Connection Benefits
$200 per person Covered after 6 hour delay

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Full Policy Wording

MISSED CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for 6 or more hours, due to:

a) any delay of a Common Carrier;

b) documented weather condition preventing You from getting to the point of departure for Your Trip;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1) Your Additional Transportation Cost to join the departed Trip; and

2) Your prepaid expenses for the unused land or water Travel Arrangements.

22

Essential
RoamRight

Missed Connection Benefits
$200 per person Covered after 6 hour delay

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Full Policy Wording

MISSED CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for 6 or more hours, due to:

a) any delay of a Common Carrier;

b) documented weather condition preventing You from getting to the point of departure for Your Trip;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1) Your Additional Transportation Cost to join the departed Trip; and

2) Your prepaid expenses for the unused land or water Travel Arrangements.

23

Preferred
RoamRight

Missed Connection Benefits
$500 per person Covered after 3 hour delay

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Full Policy Wording

MISSED CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier;

b) documented weather condition preventing You from getting to the point of departure for Your Trip;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1) Your Additional Transportation Cost to join the departed Trip; and

2) Your prepaid expenses for the unused land or water Travel Arrangements.

24

Preferred
RoamRight

Missed Connection Benefits
$500 per person Covered after 3 hour delay

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Full Policy Wording

MISSED CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier;

b) documented weather condition preventing You from getting to the point of departure for Your Trip;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1) Your Additional Transportation Cost to join the departed Trip; and

2) Your prepaid expenses for the unused land or water Travel Arrangements.

25

Elite
RoamRight

Missed Connection Benefits
$750 per person Covered after 3 hour delay

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Full Policy Wording

MISSED CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier;

b) documented weather condition preventing You from getting to the point of departure for Your Trip;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1) Your Additional Transportation Cost to join the departed Trip; and

2) Your prepaid expenses for the unused land or water Travel Arrangements.

26

Elite
RoamRight

Missed Connection Benefits
$750 per person Covered after 3 hour delay

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Full Policy Wording

MISSED CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier;

b) documented weather condition preventing You from getting to the point of departure for Your Trip;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1) Your Additional Transportation Cost to join the departed Trip; and

2) Your prepaid expenses for the unused land or water Travel Arrangements.

Seven Corners Inc
Seven Corners Inc

27

RoundTrip Choice
Seven Corners Inc

Missed Connection Benefits
$1,000 per person Covered after 3 hour delay Cruise and tour only

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Full Policy Wording

MISSED CONNECTION

If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip

b) reasonable accommodation and meal expenses up to $150 per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.

Your delayed arrival must be due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

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

28

RoundTrip Economy
Seven Corners Inc

Missed Connection Benefits
$250 policy limit Covered after 3 hour delay Cruise and tour only

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Full Policy Wording

MISSED CONNECTION

If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip

b) reasonable accommodation and meal expenses up to $150 per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.

Your delayed arrival must be due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

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

29

RoundTrip Elite
Seven Corners Inc

Missed Connection Benefits
$1,500 per person Covered after 3 hour delay Cruise and tour only

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Full Policy Wording

MISSED CONNECTION

If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip

b) reasonable accommodation and meal expenses up to $150 per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.

Your delayed arrival must be due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

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

Tin Leg
Tin Leg

30

Luxury
Tin Leg

Missed Connection Benefits
No coverage

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Full Policy Wording

There is no Missed Connection coverage with this plan.

Travel Insured International
Travel Insured International

31

Worldwide Trip Protector Lite
Travel Insured International

Missed Connection Benefits
$300 per person Covered after 12 hour delay Cruise and tour only

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Full Policy Wording

MISSED CONNECTION

If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for 12 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip; and

b) Your Prepaid expenses for the unused land or water Travel Arrangements; and

c) reasonable accommodation, telephone and meal expenses up to $200 per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.

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

32

Worldwide Trip Protector Plus
Travel Insured International

Missed Connection Benefits
$500 per person Covered after 3 hour delay Cruise and tour only

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Full Policy Wording

MISSED CONNECTION

If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip; and

b) Your Prepaid expenses for the unused land or water Travel Arrangements ; and

c) reasonable accommodation, telephone and meal expenses up to $200 per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.

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

33

Worldwide Trip Protector
Travel Insured International

Missed Connection Benefits
$500 per person Covered after 3 hour delay Cruise and tour only

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Full Policy Wording

MISSED CONNECTION

If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip; and

b) Your Prepaid expenses for the unused land or water Travel Arrangements ; and

c) reasonable accommodation, telephone and meal expenses up to $200 per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.

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

TravelSafe
TravelSafe

34

Basic
TravelSafe

Missed Connection Benefits
$500 per person Covered after 3 hour delay

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Full Policy Wording

MISSED CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip; and

b) Your Prepaid expenses for the unused land or water Travel Arrangements.

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

35

Classic
TravelSafe

Missed Connection Benefits
$2,500 per person Covered after 3 hour delay

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Full Policy Wording

MISSED CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip; and

b) Your Prepaid expenses for the unused land or water Travel Arrangements.

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

36

Classic Plus
TravelSafe

Missed Connection Benefits
$2,500 per person Covered after 3 hour delay

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Full Policy Wording

MISSED CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip; and

b) Your Prepaid expenses for the unused land or water Travel Arrangements.

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

Trawick International
Trawick International

37

Safe Travels 3 In 1
Trawick International

Missed Connection Benefits
$750 per person Covered after 3 hour delay Cruise and tour only

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Full Policy Wording

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather. Benefits are provided for:

• additional transportation expenses needed for You to join Your departed Cruise or tour;

• reasonable accommodation and meal expenses (up to the per day limit shown on the Confirmation of Coverage); and

• pre-paid nonrefundable Trip payments for the unused portion of Your Cruise or tour.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

38

Safe Travels Single Trip
Trawick International

Missed Connection Benefits
$500 per person Covered after 3 hour delay Cruise and tour only

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Full Policy Wording

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather.

Benefits are provided for:

• additional transportation expenses needed for You to join Your departed Cruise or tour;

• reasonable accommodation and meal expenses (up to the limit shown on the Confirmation of Coverage); and

• pre-paid nonrefundable Trip payments for the unused portion of Your Cruise or tour.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

39

Safe Travels First Class
Trawick International

Missed Connection Benefits
$1,000 per person Covered after 3 hour delay Cruise and tour only

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Full Policy Wording

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather.

Benefits are provided for:

• additional transportation expenses needed for You to join Your departed Cruise or tour;

• reasonable accommodation and meal expenses (up to the limit shown on the Confirmation of Coverage); and

• pre-paid nonrefundable Trip payments for the unused portion of Your Cruise or tour.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

40

GlobalTrip Classic
USA-ASSIST Worldwide Protection

Missed Connection Benefits
Included in Travel Delay Covered after 3 hour delay

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Full Policy Wording

You are eligible for benefits up to the benefit amount shown on Your certificate for: a) Additional Transportation Cost to join the Trip or return home, including up to US$ 150 per day for reasonable accommodations and meals, if Your delay requires an unplanned overnight stay; or b) unused nonrefundable portion of the prepaid expenses as long as the expenses are supported by proof of purchase and are not reimbursable by any other source. Delay must be for 3 hours or more and certified due to one of the following reasons:

1. Delay of Common Carrier (which is certified by the Common Carrier);

2. A traffic accident in which You were not directly involved (substantiated by a police report);

3. Documented weather condition preventing You from getting to the point of departure;

4. Quarantine, hijacking, strike;

5. Lost or stolen passports, travel documents or money (must be substantiated by a police report or the appropriate local authority);

6. Natural disaster, terrorism or riot.

Note: All Trip Delay/Missed Connection events must be reported within 72 hours of the events. If you do not report the occurrence as soon as possible or within the 72 hours time-frame period, reduced benefit payments may be applied.

41

GlobalTrip Saver
USA-ASSIST Worldwide Protection

Missed Connection Benefits
Included in Travel Delay Covered after 3 hour delay

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Full Policy Wording

You are eligible for benefits up to the benefit amount shown on Your certificate for: a) Additional Transportation Cost to join the Trip or return home, including up to US$ 150 per day for reasonable accommodations and meals, if Your delay requires an unplanned overnight stay; or b) unused nonrefundable portion of the prepaid expenses as long as the expenses are supported by proof of purchase and are not reimbursable by any other source. Delay must be for 3 hours or more and certified due to one of the following reasons:

1. Delay of Common Carrier (which is certified by the Common Carrier);

2. A traffic accident in which You were not directly involved (substantiated by a police report);

3. Documented weather condition preventing You from getting to the point of departure;

4. Quarantine, hijacking, strike;

5. Lost or stolen passports, travel documents or money (must be substantiated by a police report or the appropriate local authority);

6. Natural disaster, terrorism or riot.

Note: All Trip Delay/Missed Connection events must be reported within 72 hours of the events. If you do not report the occurrence as soon as possible or within the 72 hours time-frame period, reduced benefit payments may be applied.

42

GlobalTrip Plus
USA-ASSIST Worldwide Protection

Missed Connection Benefits
Included in Travel Delay Covered after 3 hour delay

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Full Policy Wording

You are eligible for benefits up to the benefit amount shown on Your certificate for: a) Additional Transportation Cost to join the Trip or return home, including up to US$ 150 per day for reasonable accommodations and meals, if Your delay requires an unplanned overnight stay; or b) unused nonrefundable portion of the prepaid expenses as long as the expenses are supported by proof of purchase and are not reimbursable by any other source. Delay must be for 3 hours or more and certified due to one of the following reasons:

1. Delay of Common Carrier (which is certified by the Common Carrier);

2. A traffic accident in which You were not directly involved (substantiated by a police report);

3. Documented weather condition preventing You from getting to the point of departure;

4. Quarantine, hijacking, strike;

5. Lost or stolen passports, travel documents or money (must be substantiated by a police report or the appropriate local authority);

6. Natural disaster, terrorism or riot.

Note: All Trip Delay/Missed Connection events must be reported within 72 hours of the events. If you do not report the occurrence as soon as possible or within the 72 hours time-frame period, reduced benefit payments may be applied.

43

GlobalTrip High Medical
USA-ASSIST Worldwide Protection

Missed Connection Benefits
Included in Travel Delay Covered after 3 hour delay

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Full Policy Wording

You are eligible for benefits up to the benefit amount shown on Your certificate for: a) Additional Transportation Cost to join the Trip or return home, including up to US$ 150 per day for reasonable accommodations and meals, if Your delay requires an unplanned overnight stay; or b) unused nonrefundable portion of the prepaid expenses as long as the expenses are supported by proof of purchase and are not reimbursable by any other source. Delay must be for 3 hours or more and certified due to one of the following reasons:

1. Delay of Common Carrier (which is certified by the Common Carrier);

2. A traffic accident in which You were not directly involved (substantiated by a police report);

3. Documented weather condition preventing You from getting to the point of departure;

4. Quarantine, hijacking, strike;

5. Lost or stolen passports, travel documents or money (must be substantiated by a police report or the appropriate local authority);

6. Natural disaster, terrorism or riot.

Note: All Trip Delay/Missed Connection events must be reported within 72 hours of the events. If you do not report the occurrence as soon as possible or within the 72 hours time-frame period, reduced benefit payments may be applied.