Money Back Guarantee

Air Ambulance Card - Standard Annual
Air Ambulance Card

Money Back Guarantee Benefits
No coverage

Full Policy Wording

There is no Money Back Guarantee with this plan.

Air Ambulance Card - Extended Stay 6 Months
Air Ambulance Card

Money Back Guarantee Benefits
No coverage

Full Policy Wording

There is no Money Back Guarantee with this plan.

Air Ambulance Card - Extended Stay 12 Months
Air Ambulance Card

Money Back Guarantee Benefits
No coverage

Full Policy Wording

There is no Money Back Guarantee with this plan.

Economy Plan
APRIL Travel Protection

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

You may cancel insurance under the Policy by giving Us or Administrator written notice within 14 days from the Effective Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

VIP Plan
APRIL Travel Protection

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Us or Administrator written notice within 14 days from the Effective Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

Trip Cancellation Plan
APRIL Travel Protection

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

Fourteen Day Free Look

You may cancel insurance under the Policy by giving Us or Administrator written notice within 14 days from the Effective date. If you do this, We will refund your premium paid provided you have not filed a claim under the Policy.

Multi-Trip Plan Universal
APRIL Travel Protection

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

You may cancel insurance under the Policy by giving Us or Administrator written notice within 14 days from the Effective Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

Multi-Trip Plan Elite
APRIL Travel Protection

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Us or Administrator written notice within 14 days from the Effective Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

Choice
APRIL Travel Protection

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Us or Our Administrator written notice within 14 days from the Effective Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy. This Policy is issued in consideration of enrollment and payment of the premium due.

This Policy describes all of the travel insurance benefits underwritten by American Modern Home Insurance Company, herein referred to as We, Us, and Our. This Policy is a legal contract between You (herein referred to as You or Your) and Us. It is important that You read Your Policy carefully. Insurance benefits vary from program to program. Please refer to the Confirmation of Benefits. It provides You with specific information about the program You purchased. This policy is issued for a stated term as shown on the confirmation of benefits.

Silver
AXA Assistance USA

Money Back Guarantee Benefits
Free look up to 10 days after purchase

Full Policy Wording

TEN-DAY FREE LOOK

You may cancel insurance under the Policy by giving Us or Our Administrator written notice within 10 days from the Effective Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

Ten-Day Free Look is not available in all states. Please review the policy for cancellation terms and conditions.

Gold
AXA Assistance USA

Money Back Guarantee Benefits
Free look up to 10 days after purchase

Full Policy Wording

TEN-DAY FREE LOOK

You may cancel insurance under the Policy by giving Us or Our Administrator written notice within 10 days from the Effective Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

Ten-Day Free Look is not available in all states. Please review the policy for cancellation terms and conditions.

Platinum
AXA Assistance USA

Money Back Guarantee Benefits
Free look up to 10 days after purchase

Full Policy Wording

TEN-DAY FREE LOOK

You may cancel insurance under the Policy by giving Us or Our Administrator written notice within 10 days from the Effective Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

Ten-Day Free Look is not available in all states. Please review the policy for cancellation terms and conditions.

Beacon America incl US
Azimuth Risk Solutions, LLC

Money Back Guarantee Benefits
Free look up to the day before effective date

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

Beacon International excl US
Azimuth Risk Solutions, LLC

Money Back Guarantee Benefits
Free look up to the day before effective date

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

ExactCare
Berkshire Hathaway Travel Protection

Money Back Guarantee Benefits
Free look up to 15 days after purchase

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.

Custom
CSA Travel Protection

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

Voyager Choice
GeoBlue

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

Voyager Essential
GeoBlue

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

Trekker Choice excl US
GeoBlue

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

Trekker Essential excl US
GeoBlue

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

Essentials
Global Alert

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Us or Our Administrator written notice within the first to occur of the following: (a) 14 days from the Effective Date; or (b) Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

Preferred
Global Alert

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Us or Our Administrator written notice within the first to occur of the following: (a) 14 days from the Effective Date; or (b) Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

Preferred Plus
Global Alert

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Us or Our Administrator written notice within the first to occur of the following: (a) 14 days from the Effective Date; or (b) Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

Atlas International excl US
HCC Medical Insurance Services

Money Back Guarantee Benefits
Free look up to the day before effective date

Full Policy Wording

Payment of the required Premium shall be remitted to Underwriters on or before the Member’s Certificate Effective Date, continuation date (if applicable). Premium is considered to be paid on the date the payment instrument is received by Underwriters, provided such instrument provides immediately available funds.

Premiums may be refunded after the Certificate Effective Date subject to the following provisions:

a) a $25 cancellation fee will apply; and

b) only the unused portion of the plan cost will be refunded; and

c) only Members who have no claims are eligible for premium refund.

TripProtector Preferred
HTH Travel Insurance

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

TripProtector Economy
HTH Travel Insurance

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

TripProtector Classic
HTH Travel Insurance

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

Patriot America
IMG

Money Back Guarantee Benefits
Free look up to the day before effective date

Full Policy Wording

(11) CANCELLATION BY INSURED PERSON – The Insured Person shall have three (3) days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other Terms of the Master Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to the Company by mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium paid. Upon effectuation of such cancellation and refund, neither the Company nor the Insured Person shall have any further rights, liabilities or obligations under this insurance. After the Review Period, the following conditions apply if the Insured Person wishes to cancel the insurance:

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,

i) a cancellation fee of US$50.00 will be charged; and

ii) only full month premiums will be considered as refundable.

Patriot International
IMG

Money Back Guarantee Benefits
Free look up to the day before effective date

Full Policy Wording

(11) CANCELLATION BY INSURED PERSON – The Insured Person shall have three (3) days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other Terms of the Master Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to the Company by mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium paid. Upon effectuation of such cancellation and refund, neither the Company nor the Insured Person shall have any further rights, liabilities or obligations under this insurance. After the Review Period, the following conditions apply if the Insured Person wishes to cancel the insurance:

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,

i) a cancellation fee of US$50.00 will be charged; and

ii) only full month premiums will be considered as refundable.

Patriot Multi-Trip America
IMG

Money Back Guarantee Benefits
Free look up to the day before effective date

Full Policy Wording

(11) CANCELLATION BY INSURED PERSON – The Insured Person may request cancellation of the Declaration and this Certificate, and full return of Premium, by giving the Company written notice thereof prior to the Effective Date of Coverage, whereupon all coverages and benefits under this insurance shall be cancelled, void and without effect. After the Effective Date of Coverage, the Premium is fully earned and is non-refundable.

Patriot Multi-Trip International
IMG

Money Back Guarantee Benefits
Free look up to the day before effective date

Full Policy Wording

(11) CANCELLATION BY INSURED PERSON – The Insured Person may request cancellation of the Declaration and this Certificate, and full return of Premium, by giving the Company written notice thereof prior to the Effective Date of Coverage, whereupon all coverages and benefits under this insurance shall be cancelled, void and without effect. After the Effective Date of Coverage, the Premium is fully earned and is non-refundable.

Patriot America Plus
IMG

Money Back Guarantee Benefits
Free look up to the day before effective date

Full Policy Wording

(11) CANCELLATION BY INSURED PERSON – The Insured Person shall have three (3) days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other Terms of the Master Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to the Company by mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium paid. Upon effectuation of such cancellation and refund, neither the Company nor the Insured Person shall have any further rights, liabilities or obligations under this insurance. After the Review Period, the following conditions apply if the Insured Person wishes to cancel the insurance:

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,

i) a cancellation fee of US$50.00 will be charged; and

ii) only full month premiums will be considered as refundable.

Travel Lite
iTravelInsured

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

Travel SE
iTravelInsured

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

Travel SE
iTravelInsured

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

Travel LX
iTravelInsured

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

Travel LX
iTravelInsured

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

Bronze
John Hancock Insurance Agency, Inc.

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Us or Our Administrator written notice within 14 days from the Effective Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

CANCELLATION

Cancellation by the Insured: You have the right to cancel the Policy at any time by giving advance notice to Our Agent or Us (stating when thereafter the cancellation shall be effective). We will refund any unearned premium to You within 10 days of cancellation.

Cancellation by Us: This is a single pay, single term, non-renewable Policy. We have no unilateral right to cancel this Policy after the Effective Date of coverage.

Silver
John Hancock Insurance Agency, Inc.

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Us or Our Administrator written notice within 14 days from the Effective Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

CANCELLATION

Cancellation by the Insured: You have the right to cancel the Policy at any time by giving advance notice to Our Agent or Us (stating when thereafter the cancellation shall be effective). We will refund any unearned premium to You within 10 days of cancellation.

Cancellation by Us: This is a single pay, single term, non-renewable Policy. We have no unilateral right to cancel this Policy after the Effective Date of coverage.

Gold
John Hancock Insurance Agency, Inc.

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Us or Our Administrator written notice within 14 days from the Effective Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

CANCELLATION

Cancellation by the Insured: You have the right to cancel the Policy at any time by giving advance notice to Our Agent or Us (stating when thereafter the cancellation shall be effective). We will refund any unearned premium to You within 10 days of cancellation.

Cancellation by Us: This is a single pay, single term, non-renewable Policy. We have no unilateral right to cancel this Policy after the Effective Date of coverage.

Annual Membership
MedjetAssist

Money Back Guarantee Benefits
No coverage

Full Policy Wording

There is no Money Back Guarantee with this plan.

MedjetAssist Extended Stay
MedjetAssist

Money Back Guarantee Benefits
No coverage

Full Policy Wording

There is no Money Back Guarantee with this plan.

MedjetAssist Short Term Plan
MedjetAssist

Money Back Guarantee Benefits
No coverage

Full Policy Wording

There is no Money Back Guarantee with this plan.

Essential
RoamRight

Money Back Guarantee Benefits
Free look up to 14 days after purchase

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.

Preferred
RoamRight

Money Back Guarantee Benefits
Free look up to 14 days after purchase

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.

Elite
RoamRight

Money Back Guarantee Benefits
Free look up to 14 days after purchase

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.

Active
RoamRight

Money Back Guarantee Benefits
Free look up to 14 days after purchase

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.

Adventure
RoamRight

Money Back Guarantee Benefits
Free look up to 14 days after purchase

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.

Multi-Trip
RoamRight

Money Back Guarantee Benefits
Free look up to 14 days after purchase

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.

Multi-Trip Medical excl US
RoamRight

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

FOURTEEN-DAY LOOK

You may cancel insurance under the policy by giving RoamRight written notice at the address listed on the front panel of this document, within 14 days from the Effective Date of Your initial enrollment. If You do this, the Company will refund Your premium paid provided You have not filed a claim under the policy.

Liaison Continent excl US
Seven Corners Inc

Money Back Guarantee Benefits
Free look up to the day before effective date

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.

Liaison Majestic excl US
Seven Corners Inc

Money Back Guarantee Benefits
Free look up to the day before effective date

Full Policy Wording

Refund of Premium

Refund of total plan cost will only be considered if written request is received by Seven Corners 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 Seven Corners for reimbursement.

Liaison International excl US
Seven Corners Inc

Money Back Guarantee Benefits
Free look up to the day before effective date

Full Policy Wording

Cancellation by Plan Participant

The Plan Participant may request cancellation and a full refund of premium for this insurance by giving the Company written noticeprior to the Effective Date of Coverage under the Policy.

For a written request for cancellation after such Effective Date of Coverage, the following conditions apply for cancellation of this insurance:

a) If any claims have been filed with the Company, the Premium is considered fully earned and is non-refundable.

b) If no claims have been filed with the Company, the unused portion of the premium paid may be refunded as follows:

i) a cancellation fee of $25.00 will be charged; and

ii) refund will be calculated in a pro-rata basis (refund= total premium * unused days/total days).

RoundTrip Economy
Seven Corners Inc

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

RoundTrip Elite
Seven Corners Inc

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

Economy
Tin Leg

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Us or Our Administrator written notice within 14 days from the Effective Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

Standard
Tin Leg

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Us or Our Administrator written notice within 14 days from the Effective Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

Luxury
Tin Leg

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

FOURTEEN DAY FREE LOOK

You may cancel insurance under the Policy by giving Us or Our Administrator written notice within 14 days from the Effective Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.

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

Money Back Guarantee Benefits
Free look up to 10 days after purchase

Full Policy Wording

Ten Day Free Look

If you are not completely satisfied within 10 days of purchasing this plan, Travelex will refund your premium cost, if you have not departed on your trip or filed a claim.

Flight Insure Package Plan Multi-trip
Travelex Insurance Services

Money Back Guarantee Benefits
Free look up to 10 days after purchase

Full Policy Wording

Ten Day Free Look

If you are not completely satisfied within 10 days of purchasing this plan, Travelex will refund your premium cost, if you have not departed on your trip or filed a claim.

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

Money Back Guarantee Benefits
Free look up to 10 days after purchase

Full Policy Wording

Ten Day Free Look

If you are not completely satisfied within 10 days of purchasing this plan, Travelex will refund your premium cost, if you have not departed on your trip or filed a claim.

Flight Insure Plus - Package Plan
Travelex Insurance Services

Money Back Guarantee Benefits
Free look up to 10 days after purchase

Full Policy Wording

Ten Day Free Look

If you are not completely satisfied within 10 days of purchasing this plan, Travelex will refund your premium cost, if you have not departed on your trip or filed a claim.

Travel Basic
Travelex Insurance Services

Money Back Guarantee Benefits
Free look up to 10 days after purchase

Full Policy Wording

Ten Day Free Look Period If you are not completely satisfied within 10 days of purchasing this plan, the Policyholder will refund your plan cost, if you have not departed on your trip or filed a claim.

After this 10-day review period, the payment for this plan is non-refundable, except in the following circumstances:
• The supplier cancels or changes the dates of your Covered Trip and all penalties are waived; or

• You cancel your Covered Trip before any cancellation penalties are in effect; or

• You have duplicate coverage for this Covered Trip or due to your death.

Travel Max
Travelex Insurance Services

Money Back Guarantee Benefits
Free look up to 10 days after purchase

Full Policy Wording

If you are not satisfied for any reason, you may cancel your coverage within 10 days of your receipt of this document. If you haven’t already left on your Covered Trip and/or provided there has been no covered expense, you will receive a full refund of your plan cost.

After this 10-day review period, the payment for this plan is non-refundable, except in the following circumstances:
• The supplier cancels or changes the dates of your Covered Trip and all penalties are waived; or
• You cancel your Covered Trip before any cancellation penalties are in effect; or
• You have duplicate coverage for this Covered Trip or due to your death.

Travel Select
Travelex Insurance Services

Money Back Guarantee Benefits
Free look up to 10 days after purchase

Full Policy Wording

Ten Day Free Look Period

If you are not completely satisfied within 10 days of purchasing this plan, the Policyholder will refund your plan cost, if you have not departed on your trip or filed a claim.

After this 10-day review period, the payment for this plan is non-refundable, except in the following circumstances:

• The supplier cancels or changes the dates of your Covered Trip and all penalties are waived; or

• You cancel your Covered Trip before any cancellation penalties are in effect; or

• You have duplicate coverage for this Covered Trip or due to your death.

Basic
TravelSafe

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

Satisfaction Guarantee

If You are not satisfied for any reason, You may return Your certificate to TravelSafe within 14 days after receipt. Your plan payment (less any enrollment fees charged, where applicable) will be refunded, provided you have not filed a claim or departed on your trip. When so returned, the Certificate/Policy is void from the beginning.

Classic
TravelSafe

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

Satisfaction Guarantee

If You are not satisfied for any reason, You may return Your certificate to TravelSafe within 14 days after receipt. Your plan payment (less any enrollment fees charged, where applicable) will be refunded, provided you have not filed a claim or departed on your trip. When so returned, the Certificate/Policy is void from the beginning.

Classic Plus
TravelSafe

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

Satisfaction Guarantee

If You are not satisfied for any reason, You may return Your certificate to TravelSafe within 14 days after receipt. Your plan payment (less any enrollment fees charged, where applicable) will be refunded, provided you have not filed a claim or departed on your trip. When so returned, the Certificate/Policy is void from the beginning.

Safe Travels USA
Trawick International

Money Back Guarantee Benefits
Free look up to the day before effective date

Full Policy Wording

Refund of Premium

A total plan cost minus the processing fee will only be considered if written request is received by Us prior to the Effective Date of Coverage as listed on this certificate. 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 of $10, if no claim has been submitted to Us.

Safe Travels International excl US
Trawick International

Money Back Guarantee Benefits
Free look up to the day before effective date

Full Policy Wording

Refund of Premium- A total plan cost minus the processing fee will only be considered if written request is received by Us prior to the Effective Date of Coverage as listed on this certificate. 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 of $10, if no claim has been submitted to Us.

Safe Travels USA Trip Protection
Trawick International

Money Back Guarantee Benefits
Free look up to 10 days after purchase

Full Policy Wording

Refund of Premium-

If you are not satisfied for any reason, you may return your certificate within 10 days after plan payment.. When so returned, the certificate is void from the beginning. Return the certificate to the Plan Administrator. If You do this, we will refund Your premium paid provided You have not filed a claim under the policy and you have not left on your Covered Trip. If there is a claim in process or has been previously paid then policy will be deemed as 100% non-refundable. After the 10-day “free- look” period, the payment for this plan is nonrefundable.

Safe Travels International Cost Saver excl US
Trawick International

Money Back Guarantee Benefits
Free look up to the day before effective date

Full Policy Wording

Refund of Premium-

A total plan cost minus the processing fee will only be considered if written request is received by Us prior to the Effective Date of Coverage as listed on this certificate. 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 of $10, if no claim has been submitted to Us.

Safe Travels USA Cost Saver
Trawick International

Money Back Guarantee Benefits
Free look up to the day before effective date

Full Policy Wording

Refund of Premium- A total plan cost minus the processing fee will only be considered if written request is received by Us prior to the Effective Date of Coverage as listed on this certificate. 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 of $10, if no claim has been submitted to Us.

Bridge
TripAssure

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

Satisfaction Guarantee

If you purchase this plan and you are not satisfied with your plan for any reason, you may return the Plan Certificate/Policy and the Confirmation/Declarations to MH Ross within 14 days of receipt and your premium will be refunded (less any Enrollment Fee), provided you have not filed a claim or departed on your Trip.

Complete
TripAssure

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

Satisfaction Guarantee

If you purchase this plan and you are not satisfied with your plan for any reason, you may return the Plan Certificate/Policy and the Confirmation/Declarations to MH Ross within 14 days of receipt and your premium will be refunded (less any Enrollment Fee), provided you have not filed a claim or departed on your Trip.

Asset
TripAssure

Money Back Guarantee Benefits
Free look up to 14 days after purchase

Full Policy Wording

Satisfaction Guarantee

If you purchase this plan and you are not satisfied with your plan for any reason, you may return the Plan Certificate/Policy and the Confirmation/Declarations to MH Ross within 14 days of receipt and your premium will be refunded (less any Enrollment Fee), provided you have not filed a claim or departed on your Trip.

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

Money Back Guarantee Benefits
Free look up to the day before effective date

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.

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

Money Back Guarantee Benefits
Free look up to the day before effective date

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.

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

Money Back Guarantee Benefits
Free look up to the day before effective date

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.

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

Money Back Guarantee Benefits
Free look up to the day before effective date

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.

GlobalTrip Classic
USA-ASSIST Worldwide Protection

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

GlobalTrip Saver
USA-ASSIST Worldwide Protection

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

GlobalTrip Plus
USA-ASSIST Worldwide Protection

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.

GlobalTrip High Medical
USA-ASSIST Worldwide Protection

Money Back Guarantee Benefits
Free look up to 10 days after purchase

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.