Money Back Guarantee Full Policy Wording

Each policy’s Money Back Guarantee coverage is detailed below. View the coverage summary here.

April Travel Protection
April Travel Protection

1

Trip Cancellation Plan
April Travel Protection

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

10-DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COVERAGE

If you are not satisfied for any reason, you may cancel coverage under the policy within 10 days after receipt. Your premium payment will be refunded, provided that there has been no incurred covered expense and you have not left on your Trip. Return the Description of Coverage to us at the Program Administrators office or our authorized agent. When so returned, the Description of Coverage is void from the beginning. After this 10-day period, the payment for this coverage is nonrefundable.

2

Choice
April Travel Protection

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

10-DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COVERAGE

If you are not satisfied for any reason, you may cancel coverage under the policy within 10 days after receipt. Your premium payment will be refunded, provided that there has been no incurred covered expense and you have not left on your Trip. Return the Description of Coverage to us at the Program Administrators office or our authorized agent. When so returned, the Description of Coverage is void from the beginning. After this 10-day period, the payment for this coverage is nonrefundable.

3

Choice
April Travel Protection

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

10-DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COVERAGE

If you are not satisfied for any reason, you may cancel coverage under the policy within 10 days after receipt. Your premium payment will be refunded, provided that there has been no incurred covered expense and you have not left on your Trip. Return the Description of Coverage to us at the Program Administrators office or our authorized agent. When so returned, the Description of Coverage is void from the beginning. After this 10-day period, the payment for this coverage is nonrefundable.

4

Annual Plan
April Travel Protection

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

10‐DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COVERAGE

If you are not satisfied for any reason, you may cancel coverage under the policy within 10 days after receipt. Your premium payment will be refunded, provided that there has been no incurred covered expense and you have not left on your Trip. Return the Description of Coverage to us at the Program Administrators office or our authorized agent. When so returned, the Description of Coverage is void from the beginning. After this 10‐day period, the payment for this coverage is nonrefundable.

Arch RoamRight
Arch RoamRight

5

Essential
Arch RoamRight

Money Back Guarantee Benefits

Free look up to 14 days after purchase

Start a New Search

Full Policy Wording

If You are not satisfied for any reason, You may return Your policy to RoamRight within 14 days after receipt. Your premium will be refunded, provided You have not already departed on the Trip or filed a claim. When so returned, all coverages under the policy are void from the beginning.

6

Multi-Trip
Arch RoamRight

Money Back Guarantee Benefits

Free look up to 14 days after purchase

Start a New Search

Full Policy Wording

If You are not satisfied for any reason, You may return Your policy to RoamRight within 14 days after receipt. Your premium will be refunded, provided You have not already departed on the Trip or filed a claim. When so returned, all coverages under the policy are void from the beginning.

AXA Assistance USA
AXA Assistance USA

7

Silver
AXA Assistance USA

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

8

Gold
AXA Assistance USA

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

9

Platinum
AXA Assistance USA

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

10

Beacon America incl US
Azimuth Risk Solutions, LLC

Money Back Guarantee Benefits

Free look up to the day before effective date

Start a New Search

Full Policy Wording

15.1 CANCELLATION BY PARTICIPATING MEMBER-­‐ All cancellation requests must be submitted in writing to Azimuth Risk Solutions, LLC. To be eligible for a full refund, the request must be received before your requested effective date. Cancellation Requests received after the requested effective date will be subject to the following:

15.1.1 A $25.00 cancellation fee; and

15.1.2 only the unused portion of the premium cost will be refunded; and

15.1.3 no claims to be eligible for premium refund

11

Beacon International excl US
Azimuth Risk Solutions, LLC

Money Back Guarantee Benefits

Free look up to the day before effective date

Start a New Search

Full Policy Wording

15.1 CANCELLATION BY PARTICIPATING MEMBER-­‐ All cancellation requests must be submitted in writing to Azimuth Risk Solutions, LLC. To be eligible for a full refund, the request must be received before your requested effective date. Cancellation Requests received after the requested effective date will be subject to the following:

15.1.1 A $25.00 cancellation fee; and

15.1.2 only the unused portion of the premium cost will be refunded; and

15.1.3 no claims to be eligible for premium refund

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

12

ExactCare
Berkshire Hathaway Travel Protection

Money Back Guarantee Benefits

Free look up to 15 days after purchase

Start a New Search

Full Policy Wording

FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy.

13

ExactCare Value
Berkshire Hathaway Travel Protection

Money Back Guarantee Benefits

Free look up to 15 days after purchase

Start a New Search

Full Policy Wording

FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy.

Cat 70
Cat 70

14

Travel Plan
Cat 70

Money Back Guarantee Benefits

Free look up to 14 days after purchase

Start a New Search

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Our Administrator or Us written notice of cancellation on the earlier of: a) 14 days from the date Your Policy is purchased; or b) prior to Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

Dogtag
Dogtag

15

Extreme Plus
Dogtag

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

16

Extreme
Dogtag

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

17

Sport
Dogtag

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

18

Basic
Dogtag

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

19

International Basic
Dogtag

Money Back Guarantee Benefits

No coverage

Start a New Search

Full Policy Wording

There is no Money Back Guarantee with this plan.

20

International Sport
Dogtag

Money Back Guarantee Benefits

No coverage

Start a New Search

Full Policy Wording

There is no Money Back Guarantee with this plan.

21

International Extreme
Dogtag

Money Back Guarantee Benefits

No coverage

Start a New Search

Full Policy Wording

There is no Money Back Guarantee with this plan.

22

International Extreme Plus
Dogtag

Money Back Guarantee Benefits

No coverage

Start a New Search

Full Policy Wording

There is no Money Back Guarantee with this plan.

Generali Global Assistance
Generali Global Assistance

23

Standard
Generali Global Assistance

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

10-DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COVERAGE

If you are not satisfied for any reason, you may cancel coverage under the policy within 10 days after receipt. Your premium payment will be refunded, provided that there has been no incurred covered expense and you have not left on your Trip. Return the Description of Coverage to us at the Program Administrator’s office or our authorized agent. When so returned, the Description of Coverage is void from the beginning. After this 10-day period, the payment for this coverage is nonrefundable.

24

Preferred
Generali Global Assistance

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

10-DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COVERAGE

If you are not satisfied for any reason, you may cancel coverage under the policy within 10 days after receipt. Your premium payment will be refunded, provided that there has been no incurred covered expense and you have not left on your Trip. Return the Description of Coverage to us at the Program Administrator’s office or our authorized agent. When so returned, the Description of Coverage is void from the beginning. After this 10-day period, the payment for this coverage is nonrefundable.

25

Premium
Generali Global Assistance

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

10-DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COVERAGE

If you are not satisfied for any reason, you may cancel coverage under the policy within 10 days after receipt. Your premium payment will be refunded, provided that there has been no incurred covered expense and you have not left on your Trip. Return the Description of Coverage to us at the Program Administrator’s office or our authorized agent. When so returned, the Description of Coverage is void from the beginning. After this 10-day period, the payment for this coverage is nonrefundable.

GeoBlue
GeoBlue

26

Voyager Choice
GeoBlue

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

SATISFACTION GUARANTEE

Within 10 days of purchasing the plan, You may request a full refund of premium from Us provided You have not already departed on Your Trip or filed a claim. No refunds shall be paid to You after 10 days of purchasing the plan.

27

Voyager Essential
GeoBlue

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

SATISFACTION GUARANTEE

Within 10 days of purchasing the plan, You may request a full refund of premium from Us provided You have not already departed on Your Trip or filed a claim. No refunds shall be paid to You after 10 days of purchasing the plan.

28

Trekker Choice excl US
GeoBlue

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

SATISFACTION GUARANTEE

Within 10 days of purchasing the plan, You may request a full refund of premium from Us provided You have not already departed on Your Trip or filed a claim. No refunds shall be paid to You after 10 days of purchasing the plan.

29

Trekker Essential excl US
GeoBlue

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

SATISFACTION GUARANTEE

Within 10 days of purchasing the plan, You may request a full refund of premium from Us provided You have not already departed on Your Trip or filed a claim. No refunds shall be paid to You after 10 days of purchasing the plan.

Global Underwriters
Global Underwriters

30

Diplomat America
Global Underwriters

Money Back Guarantee Benefits

Free look up to the day before effective date

Start a New Search

Full Policy Wording

Refund of Premium – Less a $25 processing fee, will be considered only when written request is received by Global Underwriters prior to the Effective Date of Individual coverage. After the Effective Date of Individual coverage, premium is considered fully earned and non-refundable. Partial refunds are not available.

31

Diplomat LT excl US
Global Underwriters

Money Back Guarantee Benefits

Free look up to the day before effective date

Start a New Search

Full Policy Wording

Refund of Premium – Less a $25 processing fee, will be considered only when written request is received by Global Underwriters prior to the Effective Date of Individual coverage. After the Effective Date of Individual coverage, premium is considered fully earned and non-refundable. Partial refunds are not available.

32

Diplomat LT incl US
Global Underwriters

Money Back Guarantee Benefits

Free look up to the day before effective date

Start a New Search

Full Policy Wording

Refund of Premium – Less a $25 processing fee, will be considered only when written request is received by Global Underwriters prior to the Effective Date of Individual coverage. After the Effective Date of Individual coverage, premium is considered fully earned and non-refundable. Partial refunds are not available.

HTH Travel Insurance
HTH Travel Insurance

33

TravelGap Voyager excl US
HTH Travel Insurance

Money Back Guarantee Benefits

Free look up to the day before departure date

Start a New Search

Full Policy Wording

We are so confident in our products that we offer you a money-back guarantee! If you are not completely satisfied with your purchase, return your ID card and include a letter indicating your desire to cancel. If you have not departed on your trip before the date of the cancellation request, you will receive a full refund.

34

TripProtector Preferred
HTH Travel Insurance

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

35

TravelGap Excursion excl US
HTH Travel Insurance

Money Back Guarantee Benefits

Free look up to the day before departure date

Start a New Search

Full Policy Wording

We are so confident in our products that we offer you a money-back guarantee! If you are not completely satisfied with your purchase, return your ID card and include a letter indicating your desire to cancel. If you have not departed on your trip before the date of the cancellation request, you will receive a full refund.

36

TripProtector Economy
HTH Travel Insurance

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

37

TripProtector Classic
HTH Travel Insurance

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

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

38

Bronze
John Hancock Insurance Agency, Inc.

Money Back Guarantee Benefits

Free look up to 14 days after purchase

Start a New Search

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Our Administrator or Us written notice of cancellation on the earlier of: a) 14 days from the date Your Policy is purchased; or b) prior to Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

39

Silver
John Hancock Insurance Agency, Inc.

Money Back Guarantee Benefits

Free look up to 14 days after purchase

Start a New Search

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Our Administrator or Us written notice of cancellation on the earlier of: a) 14 days from the date Your Policy is purchased; or b) prior to Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

40

Gold
John Hancock Insurance Agency, Inc.

Money Back Guarantee Benefits

Free look up to 14 days after purchase

Start a New Search

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Our Administrator or Us written notice of cancellation on the earlier of: a) 14 days from the date Your Policy is purchased; or b) prior to Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

MedjetAssist
MedjetAssist

41

Annual Membership
MedjetAssist

Money Back Guarantee Benefits

No coverage

Start a New Search

Full Policy Wording

Medjet memberships are nontransferable and nonrefundable. By enrolling as a Member you accept and agree to the terms and conditions of membership.

42

MedjetAssist Extended Stay
MedjetAssist

Money Back Guarantee Benefits

No coverage

Start a New Search

Full Policy Wording

Medjet memberships are nontransferable and nonrefundable. By enrolling as a Member, you accept and agree to the terms and conditions of membership.

43

MedjetAssist Short Term Plan
MedjetAssist

Money Back Guarantee Benefits

No coverage

Start a New Search

Full Policy Wording

Medjet memberships are nontransferable and nonrefundable. By enrolling as a Member you accept and agree to the terms and conditions of membership.

Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company

44

Essential
Nationwide Mutual Insurance Company

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

45

Prime
Nationwide Mutual Insurance Company

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

46

Cruise Universal
Nationwide Mutual Insurance Company

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

47

Cruise Choice
Nationwide Mutual Insurance Company

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

48

Cruise Luxury
Nationwide Mutual Insurance Company

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

Seven Corners Inc
Seven Corners Inc

49

RoundTrip Choice
Seven Corners Inc

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

TEN DAY LOOK: If You are not satisfied for any reason, You may cancel insurance under this Policy by giving the Company or the agent written notice within the first to occur of the following: a) 10 days from the Effective Date of Your Insurance; or b) Your Scheduled Departure Date. If You do this, the Company will refund Your premium paid provided no Insured has filed a claim under this Policy.

50

RoundTrip Economy
Seven Corners Inc

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

TEN DAY LOOK: If You are not satisfied for any reason, You may cancel insurance under this Policy by giving the Company or the agent written notice within the first to occur of the following: (a) 10 days from the Effective Date of Your Insurance; or (b) Your Scheduled Departure Date. If You do this, the Company will refund Your premium paid provided no Insured has filed a claim under this Policy.

51

RoundTrip Elite
Seven Corners Inc

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

TEN DAY LOOK: If You are not satisfied for any reason, You may cancel insurance under this Policy by giving the Company or the agent written notice within the first to occur of the following: a) 10 days from the Effective Date of Your Insurance; or b) Your Scheduled Departure Date. If You do this, the Company will refund Your premium paid provided no Insured has filed a claim under this Policy.

52

Wander Frequent Traveler excl US
Seven Corners Inc

Money Back Guarantee Benefits

Free look up to the day before effective date

Start a New Search

Full Policy Wording

Refund of Premium

Certain Underwriters at Lloyds, London realizes that there is uncertainty in international travel. Refund of total plan cost will only be considered if written request is received by the Administrator prior to the Effective Date of Coverage. If written request is received after the Effective Date of Coverage, the unused portion of the Plan cost may be refunded minus a cancellation fee, provided no claim has been submitted to the Administrator for reimbursement.

53

Liaison Travel Economy excl US
Seven Corners Inc

Money Back Guarantee Benefits

Free look up to the day before effective date

Start a New Search

Full Policy Wording

Refund of Premium.

Refund of the premium will only be considered if written request is received by the Administrator prior to the Effective Date of Coverage. If written request is received after the Effective Date of Coverage, the unused portion of the Plan cost may be refunded minus a cancellation fee provided no claim has been submitted to the Administrator for reimbursement. Additionally, no refund will be made after a claim has been denied or not paid. Upon refund, neither the Company nor You shall have any further rights, liabilities, or obligations under this Certificate.

54

Liaison Travel Choice excl US
Seven Corners Inc

Money Back Guarantee Benefits

Free look up to the day before effective date

Start a New Search

Full Policy Wording

Refund of Premium.

Refund of the premium will only be considered if written request is received by the Administrator prior to the Effective Date of Coverage. If written request is received after the Effective Date of Coverage, the unused portion of the Plan cost may be refunded minus a cancellation fee provided no claim has been submitted to the Administrator for reimbursement. Additionally, no refund will be made after a claim has been denied or not paid. Upon refund, neither the Company nor You shall have any further rights, liabilities, or obligations under this Certificate.

55

Liaison Travel Elite excl US
Seven Corners Inc

Money Back Guarantee Benefits

Free look up to the day before effective date

Start a New Search

Full Policy Wording

Refund of Premium.

Refund of the premium will only be considered if written request is received by the Administrator prior to the Effective Date of Coverage. If written request is received after the Effective Date of Coverage, the unused portion of the Plan cost may be refunded minus a cancellation fee provided no claim has been submitted to the Administrator for reimbursement. Additionally, no refund will be made after a claim has been denied or not paid. Upon refund, neither the Company nor You shall have any further rights, liabilities, or obligations under this Certificate.

Tin Leg
Tin Leg

56

Economy
Tin Leg

Money Back Guarantee Benefits

Free look up to 15 days after purchase

Start a New Search

Full Policy Wording

FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy.

57

Standard
Tin Leg

Money Back Guarantee Benefits

Free look up to 15 days after purchase

Start a New Search

Full Policy Wording

FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy.

58

Luxury
Tin Leg

Money Back Guarantee Benefits

Free look up to 15 days after purchase

Start a New Search

Full Policy Wording

FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy.

59

Adventure
Tin Leg

Money Back Guarantee Benefits

Free look up to 15 days after purchase

Start a New Search

Full Policy Wording

FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy.

60

Gold
Tin Leg

Money Back Guarantee Benefits

Free look up to 14 days after purchase

Start a New Search

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Our Administrator or Us written notice of cancellation on the earlier of: a) 14 days from the date Your Policy is purchased; or b) prior to Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

Tokio Marine HCC - Medical Insurance Services Group
Tokio Marine HCC - Medical Insurance Services Group

61

Atlas International excl US
Tokio Marine HCC - Medical Insurance Services Group

Money Back Guarantee Benefits

Free look up to the day before effective date

Start a New Search

Full Policy Wording

We hope you are happy with the cover this policy provides. However, if after reading it, this insurance does not meet with your requirements, please notify us of your wish to cancel and we will refund your premium.

Premiums will be refunded in full if a cancellation request is received prior to the certificate effective date.

Premiums may be refunded after the certificate effective date subject to the following provisions:

a. A $25 cancellation fee will apply for administrative costs incurred by us; and

b. Only the unused portion of the plan cost will be refunded; and

c. You cannot have filed any claims to be eligible for a premium refund.

Travelex Insurance Services
Travelex Insurance Services

62

Travel Basic
Travelex Insurance Services

Money Back Guarantee Benefits

Free look up to 15 days after purchase

Start a New Search

Full Policy Wording

FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy.

63

Travel Select
Travelex Insurance Services

Money Back Guarantee Benefits

Free look up to 15 days after purchase

Start a New Search

Full Policy Wording

You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy.

64

Flight Insure
Travelex Insurance Services

Money Back Guarantee Benefits

Free look up to 15 days after purchase

Start a New Search

Full Policy Wording

FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy.

65

Flight Insure Plus
Travelex Insurance Services

Money Back Guarantee Benefits

Free look up to 15 days after purchase

Start a New Search

Full Policy Wording

FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy.

TravelSafe
TravelSafe

66

Basic
TravelSafe

Money Back Guarantee Benefits

Free look up to 14 days after purchase

Start a New Search

Full Policy Wording

FOURTEEN DAY LOOK: If You are not satisfied for any reason, You may cancel insurance under this Policy by giving the Company or the agent written notice within the first to occur of the following: a) 14 days from the Effective Date of Your Insurance; or b) Your Scheduled Departure Date. If You do this, the Company will refund Your premium paid provided no Insured has filed a claim under this Policy.

67

Classic
TravelSafe

Money Back Guarantee Benefits

Free look up to 14 days after purchase

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Full Policy Wording

FOURTEEN DAY LOOK: If You are not satisfied for any reason, You may cancel insurance under this Policy by giving the Company or the agent written notice within the first to occur of the following: (a) 14 days from the Effective Date of Your Insurance; or (b) Your Scheduled Departure Date. If You do this, the Company will refund Your premium paid provided no Insured has filed a claim under this Policy.

Trawick International
Trawick International

68

Safe Travels USA
Trawick International

Money Back Guarantee Benefits

Free look up to the day before effective date

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Full Policy Wording

CANCELLATION AND REFUND PROCEDURE PROVISIONS

Full cancellation and refund will only be considered if written request is received by Us prior to the Effective Date of the coverage. If written request is received after the Effective Date of coverage, the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made: a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable. b) If no claims have been filed with the Company, then i) a cancellation fee of US $25 will be charged; and ii) only full month premiums will be considered as refundable; and c) If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.

69

Safe Travels International Cost Saver excl US
Trawick International

Money Back Guarantee Benefits

Free look up to the day before effective date

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Full Policy Wording

CANCELLATION AND REFUND PROCEDURE PROVISIONS

Full cancellation and refund will only be considered if written request is received by Us prior to the Effective Date of the coverage. If written request is received after the Effective Date of coverage, the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made: a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable. b) If no claims have been filed with the Company, then (i) a cancellation fee of US $25 will be charged; and (ii) only full month premiums will be considered as refundable; and c) If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.

70

Safe Travels USA Cost Saver
Trawick International

Money Back Guarantee Benefits

Free look up to the day before effective date

Start a New Search

Full Policy Wording

CANCELLATION AND REFUND PROCEDURE PROVISIONS

Full cancellation and refund will only be considered if written request is received by Us prior to the Effective Date of the coverage. If written request is received after the Effective Date of coverage, the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made: a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable. b) If no claims have been filed with the Company, then (i) a cancellation fee of US $25 will be charged; and (ii) only full month premiums will be considered as refundable; and c) If after are fund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.

71

Safe Travels USA Comprehensive
Trawick International

Money Back Guarantee Benefits

Free look up to the day before effective date

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Full Policy Wording

CANCELLATION AND REFUND PROCEDURE PROVISIONS

Full cancellation and refund will only be considered if written request is received by Us prior to the Effective Date of the coverage. If written request is received after the Effective Date of coverage, the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:

a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
b) If no claims have been filed with the Company, then (i) a cancellation fee of US $25 will be charged; and (ii) only full month premiums will be considered as refundable; and
c) If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.

72

Safe Travels 3 In 1
Trawick International

Money Back Guarantee Benefits

Free look up to 10 days after purchase

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Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

73

Safe Travels Single Trip
Trawick International

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

74

Safe Travels First Class
Trawick International

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

75

Safe Travels Outbound excl US
Trawick International

Money Back Guarantee Benefits

No coverage

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Full Policy Wording

This policy does not include a money back guarantee.

76

Safe Travels Outbound Cost Saver excl US
Trawick International

Money Back Guarantee Benefits

No coverage

Start a New Search

Full Policy Wording

This policy does not include a money back guarantee.

77

Safe Travels Annual Executive
Trawick International

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

78

Safe Travels Annual Deluxe
Trawick International

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

79

Safe Travels Annual Basic
Trawick International

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.

USA-Assist Worldwide Protection
USA-Assist Worldwide Protection

80

Global Travel Medical Executive
USA-Assist Worldwide Protection

Money Back Guarantee Benefits

Free look up to the day before effective date

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Full Policy Wording

Refund of Premium

Certain Underwriters at Lloyds, London realizes that there is uncertainty in international travel. Refund of total plan cost will only be considered if written request is received by the Administrator prior to the Effective Date of Coverage. If written request is received after the Effective Date of Coverage, the unused portion of the Plan cost may be refunded minus a cancellation fee, provided no claim has been submitted to the Administrator for reimbursement.

81

Global Travel Medical Gold
USA-Assist Worldwide Protection

Money Back Guarantee Benefits

Free look up to the day before effective date

Start a New Search

Full Policy Wording

Refund of Premium

Certain Underwriters at Lloyds, London realizes that there is uncertainty in international travel. Refund of total plan cost will only be considered if written request is received by the Administrator prior to the Effective Date of Coverage. If written request is received after the Effective Date of Coverage, the unused portion of the Plan cost may be refunded minus a cancellation fee, provided no claim has been submitted to the Administrator for reimbursement.

82

Global Travel Medical Platinum
USA-Assist Worldwide Protection

Money Back Guarantee Benefits

Free look up to the day before effective date

Start a New Search

Full Policy Wording

Refund of Premium

Certain Underwriters at Lloyds, London realizes that there is uncertainty in international travel. Refund of total plan cost will only be considered if written request is received by the Administrator prior to the Effective Date of Coverage. If written request is received after the Effective Date of Coverage, the unused portion of the Plan cost may be refunded minus a cancellation fee, provided no claim has been submitted to the Administrator for reimbursement.

83

Global Travel Medical Standard
USA-Assist Worldwide Protection

Money Back Guarantee Benefits

Free look up to the day before effective date

Start a New Search

Full Policy Wording

Refund of Premium

Certain Underwriters at Lloyds, London realizes that there is uncertainty in international travel. Refund of total plan cost will only be considered if written request is received by the Administrator prior to the Effective Date of Coverage. If written request is received after the Effective Date of Coverage, the unused portion of the Plan cost may be refunded minus a cancellation fee, provided no claim has been submitted to the Administrator for reimbursement.

84

GlobalTrip Classic
USA-Assist Worldwide Protection

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

Thank you for taking out online travel protection with us. Your Certificate shows the sections of the protection you have chosen, the people who are covered and any special terms or conditions that may apply. It is very important that you read the whole of this document before you travel and make sure you understand exactly what is and is not covered and what to do if you need to file a claim.

If your purchased plan does not meet your requirements, please notify your issuing agent, broker or contact USA-ASSIST by phone to +1 310 694-8453 or by e-mail at usa-assist@usa- assist.com within 10 days of receiving your Certificate for a refund of your premium, but in no instance cancellation will be accepted within 10 days prior to the departure date.

Please note that your cancellation rights are no longer valid after this initial 10 day period.

85

GlobalTrip Saver
USA-Assist Worldwide Protection

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

Thank you for taking out online travel protection with us. Your Certificate shows the sections of the protection you have chosen, the people who are covered and any special terms or conditions that may apply. It is very important that you read the whole of this document before you travel and make sure you understand exactly what is and is not covered and what to do if you need to file a claim.

If your purchased plan does not meet your requirements, please notify your issuing agent, broker or contact USA-ASSIST by phone to +1 310 694-8453 or by e-mail at usa-assist@usa- assist.com within 10 days of receiving your Certificate for a refund of your premium, but in no instance cancellation will be accepted within 10 days prior to the departure date.

Please note that your cancellation rights are no longer valid after this initial 10 day period.

86

GlobalTrip Plus
USA-Assist Worldwide Protection

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

Thank you for taking out online travel protection with us. Your Certificate shows the sections of the protection you have chosen, the people who are covered and any special terms or conditions that may apply. It is very important that you read the whole of this document before you travel and make sure you understand exactly what is and is not covered and what to do if you need to file a claim.

If your purchased plan does not meet your requirements, please notify your issuing agent, broker or contact USA-ASSIST by phone to +1 310 694-8453 or by e-mail at usa-assist@usa- assist.com within 10 days of receiving your Certificate for a refund of your premium, but in no instance cancellation will be accepted within 10 days prior to the departure date.

Please note that your cancellation rights are no longer valid after this initial 10 day period.

87

GlobalTrip High Medical
USA-Assist Worldwide Protection

Money Back Guarantee Benefits

Free look up to 10 days after purchase

Start a New Search

Full Policy Wording

Thank you for taking out online travel protection with us. Your Certificate shows the sections of the protection you have chosen, the people who are covered and any special terms or conditions that may apply. It is very important that you read the whole of this document before you travel and make sure you understand exactly what is and is not covered and what to do if you need to file a claim.

If your purchased plan does not meet your requirements, please notify your issuing agent, broker or contact USA-ASSIST by phone to +1 310 694-8453 or by e-mail at usa-assist@usa- assist.com within 10 days of receiving your Certificate for a refund of your premium, but in no instance cancellation will be accepted within 10 days prior to the departure date.

Please note that your cancellation rights are no longer valid after this initial 10 day period.

USI Affinity Travel Insurance Services
USI Affinity Travel Insurance Services

88

Ruby
USI Affinity Travel Insurance Services

Money Back Guarantee Benefits

Free look up to 14 days after purchase

Start a New Search

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Our Administrator or Us written notice of cancellation on the earlier of 14 days: a) from the date Your Policy is purchased; or b) prior to Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

89

Diamond
USI Affinity Travel Insurance Services

Money Back Guarantee Benefits

Free look up to 14 days after purchase

Start a New Search

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Our Administrator or Us written notice of cancellation on the earlier of 14 days: (a) from the date Your Policy is purchased; or (b) prior to Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.