Non-Medical Evacuation

POLITICAL OR SECURITY EVACUATION

We will pay, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for all reasonable evacuation expenses incurred for Your transportation to the nearest safe haven, if You must leave Your Trip for a covered Political or Security Event.

Evacuation must occur within 7 days of any Political or Security Event. Arrangements will be by the most appropriate and economical means available and consistent with Your health and safety. Benefits are only payable for arrangements made by Our Program Assistance Provider.

Following an evacuation due to a Political or Security Event and when safety allows, We will pay for one-way Economy Transportation to return You to either the Host Country or Your Home Country, whichever country You designate.

POLITICAL OR SECURITY EVACUATION

We will pay, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for all reasonable evacuation expenses incurred for Your transportation to the nearest safe haven, if You must leave Your Trip for a covered Political or Security Event.

Evacuation must occur within 7 days of any Political or Security Event. Arrangements will be by the most appropriate and economical means available and consistent with Your health and safety. Benefits are only payable for arrangements made by Our Program Assistance Provider.

Following an evacuation due to a Political or Security Event and when safety allows, We will pay for one-way Economy Transportation to return You to either the Host Country or Your Home Country, whichever country You designate.

NON-MEDICAL EMERGENCY TRANSPORTATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, for the Covered Transportation Expenses incurred if You must leave Your Trip for a Covered Reason listed below.

Covered Reasons:

a) a Natural Disaster;
b) A Political Situation.

Covered Transportation Expenses under this benefit are reasonable and customary expenses for necessary transportation to transport You to the nearest place of safety as determined in advance by the Company or the Company’s Travel Assistance Company in its sole discretion or to Your Home, if a Natural Disaster or Political Situation occurs while on Your Trip. Expenses for transportation must be: a) by the most direct and economical route possible; and b) such transportation is reasonably possible under the circumstances.

The Company will pay benefits for Your transportation only if the actual evacuation process has been initiated within seven (7) days from the initial Natural Disaster or Political Situation evacuation notice advised or posted, whichever is earlier, by the recognized government of either the United States or the Host Country.

NON-MEDICAL EMERGENCY EVACUATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, for the Covered Transportation Expenses incurred if You must leave Your Trip for a Covered Reason listed below.

Covered Reasons:

a) a Natural Disaster;

b) A Political Situation.

Covered Transportation Expenses under this benefit are reasonable and customary expenses for necessary transportation to transport You to the nearest place of safety as determined in advance by the Company or the Company’s Travel Assistance Company in its sole discretion or to Your Home, if a Natural Disaster or Political Situation occurs while on Your Trip. Expenses for transportation must be: a) by the most direct and economical route possible; and b) such transportation is reasonably possible under the circumstances.

The Company will pay benefits for Your transportation only if the actual evacuation process has been initiated within seven (7) days from the initial Natural Disaster or Political Situation evacuation notice advised or posted, whichever is earlier, by the recognized government of either the United States or the Host Country.

NON-MEDICAL EMERGENCY TRANSPORTATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, for the Covered Transportation Expenses incurred if You must leave Your Trip for a Covered Reason listed below.

Covered Reasons:

a) a Natural Disaster;

b) A Security Situation;

c) A Political Situation.

Covered Transportation Expenses under this benefit are reasonable and customary expenses for necessary transportation to transport You to the nearest place of safety as determined in advance by the Company or the Company’s Travel Assistance Company in its sole discretion or to Your Home, if a Natural Disaster or Security Situation or Political Situation occurs while on Your Trip. Expenses for transportation must be: a) by the most direct and economical route possible; and b) such transportation is reasonably possible under the circumstances.

The Company will pay benefits for Your transportation only if the actual evacuation process has been initiated within seven (7) days from the initial Natural Disaster, Security Situation or Political Situation evacuation notice advised or posted, whichever is earlier, by the recognized government of either the United States or the Host Country.

NON-MEDICAL EMERGENCY TRANSPORTATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, for the Covered Transportation Expenses incurred if You must leave Your Trip for a Covered Reason listed below.

Covered Reasons:

a) a Natural Disaster;

b) A Security Situation;

c) A Political Situation.

Covered Transportation Expenses under this benefit are reasonable and customary expenses for necessary transportation to transport You to the nearest place of safety as determined in advance by the Company or the Company’s Travel Assistance Company in its sole discretion or to Your Home, if a Natural Disaster or Security Situation or Political Situation occurs while on Your Trip. Expenses for transportation must be: a) by the most direct and economical route possible; and b) such transportation is reasonably possible under the circumstances.

The Company will pay benefits for Your transportation only if the actual evacuation process has been initiated within seven (7) days from the initial Natural Disaster, Security Situation or Political Situation evacuation notice advised or posted, whichever is earlier, by the recognized government of either the United States or the Host Country.

S. NATURAL DISASTER EVACUATION:

(1) Subject to the applicable Maximum Limit set forth in the BENEFIT SUMMARY, and the other Terms of this insurance, including the EXCLUSIONS provision and the CONDITIONS AND RESTRICTIONS subparagraph below, the Company will reimburse the Insured Person for the following transportation and accommodation costs, when the Company or Plan Administrator arranges such transportation and accommodations, and expenses incurred by the Insured Person arise out of or in connection with an evacuation due to a Natural Disaster that makes your Destination Country Uninhabitable during the Period of Coverage:

a) air or ground transportation to the nearest safe location

b) the cost of a one-way economy commercial airline ticket, if the Conditions and Restrictions are met below, to return the Insured Person to their Country of Residence following the Natural Disaster evacuation

c) a maximum of three (3) days for reasonable and necessary lodging accommodations if the Insured Person is delayed in a safe location and unable to return to their Country of Residence.

V. POLITICAL EVACUATION AND REPATRIATION: Maximum Limit: $100,000

If the United States Department of State, Bureau of Consular Affairs or similar government organization of the Insured Person’s Country of Residence orders the evacuation of all non-emergency government personnel from the Destination Country, due to political unrest, that becomes effective on or after the Insured Person’s date of arrival in the Destination Country, the Company will reimburse up to the amount shown in the BENEFIT SUMMARY for transportation to the nearest place of safety or for repatriation to the Insured Person’s Country of Residence provided that all of the following conditions are met:

(1) the Insured Person contacts the Company within ten (10) days of the United States Department of State, Bureau of Consular Affairs or similar government organization of the Insured Person’s Country of Residence issuing the evacuation order

(2) the evacuation order pertains to persons from the same Country of Residence as the Insured Person

(3) Political Evacuation and Repatriation is approved by the Company.

In no event will the Company pay for a Political Evacuation if there is a Travel Warning or Emergency Travel Advisory in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Destination Country. This coverage will provide the most appropriate and economical means of travel consistent under the circumstances of the Insured Person’s health and safety.

POLITICAL OR SECURITY EVACUATION

We will pay, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for all reasonable Political or Security Evacuation expenses and Related Costs incurred for Your transportation, if You must interrupt Your Trip for a covered Political or Security Event and while traveling outside Your Home Country.

The Political or Security Evacuation must occur within fourteen (14) days of the Political or Security Event, and the arrangements will be by the most appropriate and by most efficient, practical and economical means available and consistent with Your health and safety.

Following the Political or Security Evacuation and when safety allows, We will pay for one-way economy transportation and Related Costs to return You to one of the following locations as chosen by You:
a) back to Your Home Country; or
b) back to Your Return Destination; or
c) to the Nearest Place of Safety necessary to ensure Your safety and well-being as determined by Us or Our designated Travel Assistance Services Provider.

POLITICAL OR SECURITY EVACUATION COVERAGE DEFINITIONS

Political or Security Evacuation means Your extraction from or within the Host Country due to a Political or Security Evacuation that results in You being placed in imminent physical danger.

Political or Security Event means:

1. civil, military or political unrest for which a formal written recommendation from the appropriate local government authorities, or the U.S. State Department, for You to leave a country is issued;
2. You being expelled or declared a persona non-grata by a country You are visiting on Your Trip.

POLITICAL OR SECURITY EVACUATION COVERAGE CONDITIONS AND LIMITATIONS

1. The benefits and services described herein are provided to You only if authorized, arranged and coordinated by Us or Our designated Travel Assistance Services Provider;

2. We will not pay for any loss or expense recoverable under any other valid and collectible insurance or through an employer;

3. We or Our designated Travel Assistance Services Provider has sole discretion regarding the means, methods and timing of a Political or Security Evacuation. However, the decision to travel is Your sole responsibility;

4. You will be responsible for all transportation and living costs while located at the safe haven;

5. We are not responsible for the availability, timing, quality, results of, or failure to provide any service caused by conditions beyond Our control. This includes Our inability to provide You an evacuation or any additional services when
United States of America law, local laws or regulatory agencies prohibit the rendering of such evacuation or service. We will not cover a Political or Security Evacuation from OFAC designated countries.

6. We will not pay any costs or expenses arising from:

a) Political or Security Evacuation from Your Home Country;

b) Political or Security Evacuation when the Political or Security Event precedes Your arrival in the Host Country;

c) Political or Security Evacuation when the evacuation notice has been issued or posted by the recognized government of Your Home Country or the Host Country for a period of more than seven (7) days and You have failed to notify Us
or Our designated Travel Assistance Services Provider regarding Your need to be evacuated;

d) the actual or threatened use or release of any nuclear, chemical or biological weapon or device, or exposure to nuclear reaction or radiation, regardless of contributory cause;

e) We will not pay for any loss or expense arising from or attributable to: a) fraudulent or criminal acts committed or attempted by You; b) alleged violation of the laws of the country You are visiting, unless We determine such allegations to be fraudulent; or c) failure to maintain required documents or visas;

f) We will not pay for any loss or expense arising from or attributable to: a) debt, insolvency, business or commercial failure;

b) the repossession of any property; or
c) Your non-compliance with a contract, license or permit;

g) We will not pay for any loss or expense arising from or due to liability assumed by You under any contract;

h) Your arrival into a country for which a formal recommendation in the form of a travel alert or travel warning from the U.S State Department advising caution at a level 3 or higher in traveling to specified destinations due to reasons such as armed violence, civil or political unrest, high incidence of crime (specially kidnapping and/or murder), natural disaster or outbreak of one or more contagious diseases has been issued preceding Your arrival into that country on Your Trip.

Advance Payment: We will pay covered expenses directly to the service provider if You require a Political or Security Evacuation while on Your Trip, and the provider requires payment prior to service. This amount will be deducted from the benefit limit shown in the Schedule of Benefits. You agree to reimburse this payment to Us if: (a) You do not complete the claims process as outlined in the Payment of Claims section; or (b) it is determined that Your Political or Security Evacuation claim is not covered.

Right of Recovery: If, after a Political or Security Evacuation is completed, it becomes clear that You were an active participant in the events that led to a Political or Security Event, We have the right to recover all transportation and Related Costs from You.

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

NATURAL DISASTER EVACUATION

We will pay, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for all reasonable Natural Disaster Evacuation expenses and Related Costs incurred for Your transportation, if You must interrupt Your Trip for a covered Natural Disaster Event and while traveling outside Your Home Country.

The Natural Disaster Evacuation must occur within fourteen (14) days of the Natural Disaster Event, and the arrangements will be by the most appropriate and by most efficient, practical and economical means available and consistent with Your health and safety.

Following the Natural Disaster Evacuation and when safety allows, We will pay for one-way economy transportation and Related Costs to return You to one of the following locations as chosen by You:
a) back to Your Home Country; or
b) back to Your Return Destination; or
c) to the Nearest Place of Safety necessary to ensure Yours safety and well-being as determined by Us or Our designated Travel Assistance Services Provider.

NATURAL DISASTER EVACUATION COVERAGE DEFINITIONS

Natural Disaster Evacuation means Your extraction from or within the Host Country due to a Natural Disaster Evacuation that results in You being placed in imminent physical danger.

Natural Disaster Event results in such severe and widespread damage that the area of damage is officially declared a disaster area by the appropriate local government authorities of the Host Country, and the area is deemed to be Uninhabitable or dangerous.

NATURAL DISASTER EVACUATION COVERAGE CONDITIONS AND LIMITATIONS

1. The benefits and services described herein are provided to You only if authorized, arranged and coordinated by Us or Our designated Travel Assistance Services Provider;
2. We will not pay for any loss or expense recoverable under any other valid and collectible insurance or through an employer;
3. We or Our designated Travel Assistance Services Provider has sole discretion regarding the means, methods and timing of a Natural Disaster Evacuation. However, the decision to travel is Your sole responsibility;
4. You will be responsible for all transportation and living costs while located at the safe haven;
5. We are not responsible for the availability, timing, quality, results of, or failure to provide any service caused by conditions beyond Our control. This includes Our inability to provide You an evacuation or any additional services when United States of America law, local laws or regulatory agencies prohibit the rendering of such evacuation or service. We will not cover a Natural Disaster Evacuation from OFAC designated countries;
6. We will not pay any costs or expenses arising from:
a) Natural Disaster Evacuation from Your Home Country;
b) Natural Disaster Evacuation when the Natural Disaster Event precedes Your arrival in the Host Country;
c) Natural Disaster Evacuation when the evacuation notice has been issued or posted by the recognized government of Your Home Country or the Host Country for a period of more than seven (7) days and You have failed to notify Us or Our designated Travel Assistance Services Provider regarding Your need to be evacuated;
d) the actual or threatened use or release of any nuclear, chemical or biological weapon or device, or exposure to nuclear reaction or radiation, regardless of contributory cause;
e) We will not pay for any loss or expense arising from or attributable to:
a) fraudulent or criminal acts committed or attempted by You; b) alleged violation of the laws of the country You are visiting, unless We determine such allegations to be fraudulent; or c) failure to maintain required documents or visas;
f) We will not pay for any loss or expense arising from or attributable to:
a) debt, insolvency, business or commercial failure;
b) the repossession of any property; or c) Your non-compliance with a contract, license or permit;
g) We will not pay for any loss or expense arising from or due to liability assumed by You under any contract;
h) Your arrival into a country for which a formal recommendation in the form of a travel alert or travel warning from the U.S State Department advising caution at a level 3 or higher in traveling to specified destinations due to reasons such as armed violence, civil or political unrest, high incidence of crime (specially kidnapping and/or murder), natural disaster or outbreak of one or more contagious diseases has been issued preceding Your arrival into that country on Your Trip.

Advance Payment: We will pay covered expenses directly to the service provider if You require a Natural Disaster Evacuation while on Your Trip, and the provider requires payment prior to service. This amount will be deducted from the benefit limit shown in the Schedule of Benefits. You agree to reimburse this payment to Us if:
a) You do not complete the claims process as outlined in the Payment of Claims section; or b) it is determined that Your Natural Disaster Evacuation claim is not covered.

Right of Recovery: If, after a Natural Disaster Evacuation is completed, it becomes clear that You were an active participant in the events that led to a Natural Disaster Evacuation, We have the right to recover all transportation and Related Costs from You.

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

S. NATURAL DISASTER EVACUATION:

(1) Subject to the applicable Maximum Limit set forth in the BENEFIT SUMMARY, and the other Terms of this insurance, including the EXCLUSIONS provision and the CONDITIONS AND RESTRICTIONS subparagraph below, the Company will reimburse the Insured Person for the following transportation and accommodation costs, when the Company or Plan Administrator arranges such transportation and accommodations, and expenses incurred by the Insured Person arise out of or in connection with an evacuation due to a Natural Disaster that makes your Destination Country Uninhabitable during
the Period of Coverage:

a) air or ground transportation to the nearest safe location

b) the cost of a one-way economy commercial airline ticket, if the Conditions and Restrictions are met below, to return the Insured Person to their Country of Residence following the Natural Disaster evacuation

c) a maximum of three (3) days for reasonable and necessary lodging accommodations if the Insured Person is delayed in a safe location and unable to return to their Country of Residence.

(2) CONDITIONS AND RESTRICTIONS:

To be eligible for coverage for Natural Disaster Evacuation benefits, the Insured Person must be in compliance with all Terms of this insurance. Expenses for non-emergency transportation are the Insured Person’s sole responsibility. The Company will provide Natural Disaster Evacuation benefits only when all of the following conditions and restrictions are met:

a) the Natural Disaster Evacuation must have been ordered and mandated by the recognized governmental authorities having jurisdiction over the location within the Insured Person’s Destination Country

b) the Insured Person is unable to leave their Destination Country by normal means, including but not limited to changing an existing Common Carrier reservation to arrange for an earlier return due to the Natural Disaster

c) the Insured Person is unable to obtain commercial transportation within the Destination Country to travel to the nearest safe location in a time period that would:

(i) avoid Imminent Bodily Harm

(ii) comply with the time allowed to leave the Destination Country pursuant to the orders of the recognized government of the Insured Person’s Destination Country

(iii) comply with the time allowed by officials of the Destination Country or the U.S. Embassy

d) the Insured Person’s location in the Destination Country is deemed Uninhabitable by the Company

e) the Insured Person must contact the Company as soon as reasonably possible after the Destination Country has issued an official disaster declaration

f) Natural Disaster Evacuation is approved in advance by the Company.

By acceptance of this Certificate and request for Natural Disaster Evacuation benefits hereunder, the Insured Person understands, acknowledges and agrees that the timeliness, duration, occurrences during and outcome of an Natural Disaster Evacuation can be directly and indirectly affected by events and/or circumstances that are not within the supervision or control of the Company, including but not limited to: the availability, limitations, physical condition, reliability, maintenance and training schedules and procedures and performance or non-performance of competent
transportation equipment, supplies and/or staff of such third-party contractors; delays or restrictions on flights or other modes or means of transportation caused by mechanical problems, government officials, telecommunications problems, non-availability of routes, and/or other travel, geographical or weather conditions; and other acts of God and unforeseeable and/or uncontrollable occurrences.

The Insured Person agrees to release and to hold the Company, the Plan Administrator and their agents and representatives harmless from, and agrees that the Company, the Plan Administrator and their agents and representatives shall not be held liable or responsible for, any delays, losses, damages, further Injuries or Illnesses, or any other claims that arise from or are caused in whole or in part by the acts or omissions of such independent third party contractors or their agents, employees or representatives, or that arise from or are caused in whole or in part by
any acts, omissions, events or circumstances that are not within the direct and immediate supervision and control of the Company, the Plan Administrator and/or their authorized agents and representatives, including without limitation the events and circumstances set forth above.

The Insured Person further agrees that upon seeking a Natural Disaster Evacuation, he or she will cooperate fully as required by the CONDITIONS AND GENERAL PROVISIONS, COOPERATION provision. Failure to so cooperate and/or failure to use or accept Natural Disaster Evacuation once it has been arranged by the Company or Plan Administrator will require the Insured Person to reimburse the Company for costs incurred for any Natural Disaster Evacuation that was arranged, but not used, by the Insured Person. Furthermore, the Insured Person may be required
to arrange for payment of any subsequent Natural Disaster Evacuation and seek reimbursement thereafter for eligible costs associated with that subsequent Natural Disaster Evacuation.

T. NON-EMERGENCY MEDICAL EVACUATION: Maximum Limit: $50,000

(1) Subject to the applicable Maximum Limit set forth in the BENEFIT SUMMARY, and the other Terms of this insurance, including the EXCLUSIONS provision and the CONDITIONS AND RESTRICTIONS subparagraph below, the Company will reimburse the Insured Person for the following transportation costs, when the Company arranges such transportation, and expenses incurred by the Insured Person arising out of or in connection with a Non-emergency Medical Evacuation occurring while this Certificate is in effect and during the Period of Coverage:

a) air transportation to a suitable airport nearest to the Hospital where the Insured Person will receive Treatment

b) ground transportation necessarily preceding air transportation and from the destination airport to the Hospital where the Insured Person will receive Treatment.

(2) CONDITIONS AND RESTRICTIONS:

To be eligible for coverage for Non-emergency Medical Evacuation benefits, the Insured Person must be in compliance with all Terms of this insurance. The Company will provide Non-emergency Medical Evacuation benefits only when all of the following conditions and restrictions are met:

a) the Insured Person is under the age of sixty-five (65)

b) the Insured Person is Hospitalized outside of their Country of Residence and more than one hundred fifty (150) miles from home for a sudden and Unexpected medical condition, where Hospitalization is Medically Necessary

c) Non-emergency Medical Evacuation is approved by the attending Physician who certifies the need for continued Hospitalization, and that the condition is not life-threatening

d) Non-emergency Medical Evacuation is agreed to by the Insured Person or a Relative of the Insured Person

e) Non-emergency Medical Evacuation is approved in advance and all arrangements are coordinated by the Company

f) the condition, Illness, Injury or occurrence giving rise to the need for the Non-emergency Medical Evacuation:

(i) occurred outside the Insured Person’s Country of Residence suddenly, Unexpectedly, and spontaneously, and without: (1) advance warning, or (2) advance Treatment, diagnosis or recommendation for Treatment by a Physician, or (3) prior manifestation of symptoms or conditions which would have caused a reasonably prudent person to seek medical attention

(ii) was not a Pre-existing Condition.

The Company will cover reimbursement for the above-described costs and expenses and will arrange Non-emergency Medical Evacuation to the qualified Hospital chosen by the Insured Person.

In all cases the Company will make the necessary arrangements for the Non-emergency Medical Evacuation and will use its best efforts to arrange with independent, third-party contractors any Non-emergency Medical Evacuation within the least amount of time reasonably possible.

By acceptance of this Certificate and request for Non-emergency Medical Evacuation benefits hereunder, the Insured Person understands, acknowledges and agrees that the timeliness, duration, occurrences during, and outcome of a Non-emergency Medical Evacuation can be directly and indirectly affected by events and/or circumstances which are not within the supervision or control of the Company, including but not limited to: the availability, limitations, physical condition, reliability, maintenance and training schedules and procedures, and performance or non-performance of
competent transportation equipment, supplies and/or staff of such third-party contractors; delays or restrictions on flights or other modes or means of transportation caused by mechanical problems, government officials, telecommunications problems, non-availability of routes, and/or other travel, geographical or weather conditions; and other acts of God and unforeseeable and/or uncontrollable occurrences.

The Insured Person agrees to release and to hold the Company, the Plan Administrator and their agents and representatives harmless from, and agrees that the Company, the Plan Administrator and their agents and representatives shall not be held liable or responsible for, any delays, losses, damages, further Injuries or Illnesses, or any other claims that arise from or are caused in whole or in part by the acts or omissions of such independent third party contractors or their agents, employees or representatives, or that arise from or are caused in whole or in part by any acts, omissions, events or circumstances that are not within the direct and immediate supervision and control of the Company, the Plan Administrator and/or their authorized agents and representatives, including without limitation the events and circumstances set forth above.

The Insured Person further agrees that upon seeking a Non-emergency Medical Evacuation, he or she will cooperate fully as required by the CONDITIONS AND GENERAL PROVISIONS, COOPERATION provision. Failure to so cooperate and/or failure to use or accept Non-emergency Medical Evacuation once it has been arranged by the Company will require the Insured Person to reimburse the Company for costs incurred for any Non-emergency Medical Evacuation that was arranged, but not used, by the Insured Person. Furthermore, the Insured Person may be required
to arrange for payment of any subsequent Non-emergency Medical Evacuation and seek reimbursement thereafter for eligible costs associated with that subsequent Non-emergency Medical Evacuation.

W. POLITICAL EVACUATION AND REPATRIATION: Maximum Limit: $100,000

If the United States Department of State, Bureau of Consular Affairs or similar government organization of the Insured Person’s Country of Residence orders the evacuation of all non-emergency government personnel from the Destination Country, due to political unrest, that becomes effective on or after the Insured Person’s date of arrival in the Destination Country, the Company will reimburse up to the amount shown in the BENEFIT SUMMARY for transportation to the nearest place of safety or for repatriation to the Insured Person’s Country of Residence provided that all of the following conditions are met:

(1) the Insured Person contacts the Company within ten (10) days of the United States Department of State, Bureau of Consular Affairs or similar government organization of the Insured Person’s Country of Residence issuing the evacuation order

(2) the evacuation order pertains to persons from the same Country of Residence as the Insured Person

(3) Political Evacuation and Repatriation is approved by the Company

In no event will the Company pay for a Political Evacuation if there is a Travel Warning or Emergency Travel Advisory in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Destination Country. This coverage will provide the most appropriate and economical means of travel consistent under the circumstances of the Insured Person’s health and safety.

R. NATURAL DISASTER EVACUATION:

(1) Subject to the applicable Maximum Limit set forth in the BENEFIT SUMMARY, and the other Terms of this insurance, including the EXCLUSIONS provision and the CONDITIONS AND RESTRICTIONS subparagraph below, the Company will reimburse the Insured Person for the following transportation and accommodation costs, when the Company or Plan Administrator arranges such transportation and accommodations, and expenses incurred by the Insured Person arise out of or in connection with an evacuation due to a Natural Disaster that makes your Destination Country Uninhabitable during the Period of Coverage:

a) air or ground transportation to the nearest safe location

b) the cost of a one-way economy commercial airline ticket, if the Conditions and Restrictions are met below, to return the Insured Person to their Country of Residence following the Natural Disaster evacuation

c) a maximum of three (3) days for reasonable and necessary lodging accommodations if the Insured Person is delayed in a safe location and unable to return to their Country of Residence.

U. POLITICAL EVACUATION AND REPATRIATION: Maximum Limit: $100,000

If the United States Department of State, Bureau of Consular Affairs or similar government organization of the Insured Person’s Country of Residence orders the evacuation of all non-emergency government personnel from the Destination Country, due to political unrest, that becomes effective on or after the Insured Person’s date of arrival in the Destination Country, the Company will reimburse up to the amount shown in the BENEFIT SUMMARY for transportation to the nearest place of safety or for repatriation to the Insured Person’s Country of Residence provided that all of the following conditions are met:

(1) the Insured Person contacts the Company within ten (10) days of the United States Department of State, Bureau of Consular Affairs or similar government organization of the Insured Person’s Country of Residence issuing the evacuation order

(2) the evacuation order pertains to persons from the same Country of Residence as the Insured Person

(3) Political Evacuation and Repatriation is approved by the Company.

In no event will the Company pay for a Political Evacuation if there is a Travel Warning or Emergency Travel Advisory in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Destination Country. This coverage will provide the most appropriate and economical means of travel consistent under the circumstances of the Insured Person’s health and safety.

U. NATURAL DISASTER EVACUATION:

(1) Subject to the applicable Maximum Limit set forth in the BENEFIT SUMMARY, and the other Terms of this insurance, including the EXCLUSIONS provision and the CONDITIONS AND RESTRICTIONS subparagraph below, the Company will reimburse the Insured Person for the following transportation and accommodation costs, when the Company or Plan Administrator arranges such transportation and accommodations, and expenses incurred by the Insured Person arise out of or in connection with an evacuation due to a Natural Disaster that makes your Destination Country Uninhabitable during the Period of Coverage:

a) air or ground transportation to the nearest safe location

b) the cost of a one-way economy commercial airline ticket, if the Conditions and Restrictions are met below, to return the Insured Person to their Country of Residence following the Natural Disaster evacuation

c) a maximum of three (3) days for reasonable and necessary lodging accommodations if the Insured Person is delayed in a safe location and unable to return to their Country of Residence.

(2) CONDITIONS AND RESTRICTIONS:

To be eligible for coverage for Natural Disaster Evacuation benefits, the Insured Person must be in compliance with all Terms of this insurance. Expenses for non-emergency transportation are the Insured Person’s sole responsibility. The Company will provide Natural Disaster Evacuation benefits only when all of the following conditions and restrictions are met:

a) the Natural Disaster Evacuation must have been ordered and mandated by the recognized governmental authorities having jurisdiction over the location within the Insured Person’s Destination Country

b) the Insured Person is unable to leave their Destination Country by normal means, including but not limited to changing an existing Common Carrier reservation to arrange for an earlier return due to the Natural Disaster

c) the Insured Person is unable to obtain commercial transportation within the Destination Country to travel to the nearest safe location in a time period that would:

(i) avoid Imminent Bodily Harm

(ii) comply with the time allowed to leave the Destination Country pursuant to the orders of the recognized government of the Insured Person’s Destination Country

(iii) comply with the time allowed by officials of the Destination Country or the U.S. Embassy

d) the Insured Person’s location in the Destination Country is deemed Uninhabitable by the Company

e) the Insured Person must contact the Company as soon as reasonably possible after the Destination Country has issued an official disaster declaration

f) Natural Disaster Evacuation is approved in advance by the Company.

By acceptance of this Certificate and request for Natural Disaster Evacuation benefits hereunder, the Insured Person understands, acknowledges and agrees that the timeliness, duration, occurrences during and outcome of an Natural Disaster Evacuation can be directly and indirectly affected by events and/or circumstances that are not within the supervision or control of the Company, including but not limited to: the availability, limitations, physical condition, reliability, maintenance and training schedules and procedures and performance or non-performance of competent transportation equipment, supplies and/or staff of such third-party contractors; delays or restrictions on flights or other modes or means of transportation caused by mechanical problems, government officials, telecommunications problems, non-availability of routes, and/or other travel, geographical or weather conditions; and other acts of God and unforeseeable and/or uncontrollable occurrences.

The Insured Person agrees to release and to hold the Company, the Plan Administrator and their agents and representatives harmless from, and agrees that the Company, the Plan Administrator and their agents and representatives shall not be held liable or responsible for, any delays, losses, damages, further Injuries or Illnesses, or any other claims that arise from or are caused in whole or in part by the acts or omissions of such independent thirdparty contractors or their agents, employees or representatives, or that arise from or are caused in whole or in part by any acts, omissions, events or circumstances that are not within the direct and immediate supervision and control of the Company, the Plan Administrator and/or their authorized agents and representatives, including without limitation the events and circumstances set forth above.

The Insured Person further agrees that upon seeking a Natural Disaster Evacuation, he or she will cooperate fully as required by the CONDITIONS AND GENERAL PROVISIONS, COOPERATION provision. Failure to so cooperate and/or failure to use or accept Natural Disaster Evacuation once it has been arranged by the Company or Plan Administrator will require the Insured Person to reimburse the Company for costs incurred for any Natural Disaster Evacuation that was arranged, but not used, by the Insured Person. Furthermore, the Insured Person may be required to arrange for payment of any subsequent Natural Disaster Evacuation and seek reimbursement thereafter for eligible costs associated with that subsequent Natural Disaster Evacuation.

X. POLITICAL EVACUATION AND REPATRIATION: Maximum Limit: $100,000

If the United States Department of State, Bureau of Consular Affairs or similar government organization of the Insured Person’s Country of Residence orders the evacuation of all non-emergency government personnel from the Destination Country, due to political unrest, that becomes effective on or after the Insured Person’s date of arrival in the Destination Country, the Company will reimburse up to the amount shown in the BENEFIT SUMMARY for transportation to the nearest place of safety or for repatriation to the Insured Person’s Country of Residence provided that all of the following conditions are met:

(1) the Insured Person contacts the Company within ten (10) days of the United States Department of State, Bureau of Consular Affairs or similar government organization of the Insured Person’s Country of Residence issuing the evacuation order
(2) the evacuation order pertains to persons from the same Country of Residence as the Insured Person
(3) Political Evacuation and Repatriation is approved by the Company.

In no event will the Company pay for a Political Evacuation if there is a Travel Warning or Emergency Travel Advisory in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Destination Country. This coverage will provide the most appropriate and economical means of travel consistent under the circumstances of the Insured Person’s health and safety.

U. NATURAL DISASTER EVACUATION:

(1) Subject to the applicable Maximum Limit set forth in the BENEFIT SUMMARY, and the other Terms of this insurance, including the EXCLUSIONS provision and the CONDITIONS AND RESTRICTIONS subparagraph below, the Company will
reimburse the Insured Person for the following transportation and accommodation costs, when the Company or Plan Administrator arranges such transportation and accommodations, and expenses incurred by the Insured Person arise out
of or in connection with an evacuation due to a Natural Disaster that makes your Destination Country Uninhabitable during the Period of Coverage:

a) air or ground transportation to the nearest safe location

b) the cost of a one-way economy commercial airline ticket, if the Conditions and Restrictions are met below, to return the Insured Person to their Country of Residence following the Natural Disaster evacuation

c) a maximum of three (3) days for reasonable and necessary lodging accommodations if the Insured Person is delayed in a safe location and unable to return to their Country of Residence.

(2) CONDITIONS AND RESTRICTIONS:

To be eligible for coverage for Natural Disaster Evacuation benefits, the Insured Person must be in compliance with all Terms of this insurance. Expenses for non-emergency transportation are the Insured Person’s sole responsibility. The Company will provide Natural Disaster Evacuation benefits only when all of the following conditions and restrictions are met:

a) the Natural Disaster Evacuation must have been ordered and mandated by the recognized governmental authorities having jurisdiction over the location within the Insured Person’s Destination Country

b) the Insured Person is unable to leave their Destination Country by normal means, including but not limited to changing an existing Common Carrier reservation to arrange for an earlier return due to the Natural Disaster

c) the Insured Person is unable to obtain commercial transportation within the Destination Country to travel to the nearest safe location in a time period that would:

(i) avoid Imminent Bodily Harm

(ii) comply with the time allowed to leave the Destination Country pursuant to the orders of the recognized government of the Insured Person’s Destination Country

(iii) comply with the time allowed by officials of the Destination Country or the U.S. Embassy

d) the Insured Person’s location in the Destination Country is deemed Uninhabitable by the Company

e) the Insured Person must contact the Company as soon as reasonably possible after the Destination Country has issued an official disaster declaration

f) Natural Disaster Evacuation is approved in advance by the Company.

By acceptance of this Certificate and request for Natural Disaster Evacuation benefits hereunder, the Insured Person understands, acknowledges and agrees that the timeliness, duration, occurrences during and outcome of an Natural
Disaster Evacuation can be directly and indirectly affected by events and/or circumstances that are not within the supervision or control of the Company, including but not limited to: the availability, limitations, physical condition,
reliability, maintenance and training schedules and procedures and performance or non-performance of competent transportation equipment, supplies and/or staff of such third-party contractors; delays or restrictions on flights or other
modes or means of transportation caused by mechanical problems, government officials, telecommunications problems, non-availability of routes, and/or other travel, geographical or weather conditions; and other acts of God and
unforeseeable and/or uncontrollable occurrences.

The Insured Person agrees to release and to hold the Company, the Plan Administrator and their agents and representatives harmless from, and agrees that the Company, the Plan Administrator and their agents and representatives shall not be held liable or responsible for, any delays, losses, damages, further Injuries or Illnesses, or any other claims that arise from or are caused in whole or in part by the acts or omissions of such independent third party contractors or their agents, employees or representatives, or that arise from or are caused in whole or in part by any acts, omissions, events or circumstances that are not within the direct and immediate supervision and control of the Company, the Plan Administrator and/or their authorized agents and representatives, including without limitation the events and circumstances set forth above.

The Insured Person further agrees that upon seeking a Natural Disaster Evacuation, he or she will cooperate fully as required by the CONDITIONS AND GENERAL PROVISIONS, COOPERATION provision. Failure to so cooperate and/or failure to use or accept Natural Disaster Evacuation once it has been arranged by the Company or Plan Administrator will require the Insured Person to reimburse the Company for costs incurred for any Natural Disaster Evacuation that was arranged, but not used, by the Insured Person. Furthermore, the Insured Person may be required to arrange for payment of any subsequent Natural Disaster Evacuation and seek reimbursement thereafter for eligible costs associated with that subsequent Natural Disaster Evacuation.

V. NON-EMERGENCY MEDICAL EVACUATION: Maximum Limit: $50,000

(1) Subject to the applicable Maximum Limit set forth in the BENEFIT SUMMARY, and the other Terms of this insurance, including the EXCLUSIONS provision and the CONDITIONS AND RESTRICTIONS subparagraph below, the Company will
reimburse the Insured Person for the following transportation costs, when the Company arranges such transportation, and expenses incurred by the Insured Person arising out of or in connection with a Non-emergency Medical Evacuation occurring while this Certificate is in effect and during the Period of Coverage:

a) air transportation to a suitable airport nearest to the Hospital where the Insured Person will receive Treatment

b) ground transportation necessarily preceding air transportation and from the destination airport to the Hospital where the Insured Person will receive Treatment.

(2) CONDITIONS AND RESTRICTIONS:

To be eligible for coverage for Non-emergency Medical Evacuation benefits, the Insured Person must be in compliance with all Terms of this insurance. The Company will provide Non-emergency Medical Evacuation benefits only when all of the following conditions and restrictions are met:

a) the Insured Person is under the age of sixty-five (65)

b) the Insured Person is Hospitalized outside of their Country of Residence and more than one hundred fifty (150) miles from home for a sudden and Unexpected medical condition, where Hospitalization is Medically Necessary

c) Non-emergency Medical Evacuation is approved by the attending Physician who certifies the need for continued Hospitalization, and that the condition is not life-threatening

d) Non-emergency Medical Evacuation is agreed to by the Insured Person or a Relative of the Insured Person

e) Non-emergency Medical Evacuation is approved in advance and all arrangements are coordinated by the Company

f) the condition, Illness, Injury or occurrence giving rise to the need for the Non-emergency Medical Evacuation:

(i) occurred outside the Insured Person’s Country of Residence suddenly, Unexpectedly, and spontaneously, and without: (1) advance warning, or (2) advance Treatment, diagnosis or recommendation for Treatment by a Physician, or (3) prior manifestation of symptoms or conditions which would have caused a reasonably prudent person to seek medical attention

(ii) was not a Pre-existing Condition.

The Company will cover reimbursement for the above-described costs and expenses and will arrange Non-emergency Medical Evacuation to the qualified Hospital chosen by the Insured Person.

In all cases the Company will make the necessary arrangements for the Non-emergency Medical Evacuation and will use its best efforts to arrange with independent, third-party contractors any Non-emergency Medical Evacuation within the least amount of time reasonably possible.

By acceptance of this Certificate and request for Non-emergency Medical Evacuation benefits hereunder, the Insured Person understands, acknowledges and agrees that the timeliness, duration, occurrences during, and outcome of a Non-emergency Medical Evacuation can be directly and indirectly affected by events and/or circumstances which are not within the supervision or control of the Company, including but not limited to: the availability, limitations, physical
condition, reliability, maintenance and training schedules and procedures, and performance or non-performance of competent transportation equipment, supplies and/or staff of such third-party contractors; delays or restrictions on flights or other modes or means of transportation caused by mechanical problems, government officials, telecommunications problems, non-availability of routes, and/or other travel, geographical or weather conditions; and other acts of God and unforeseeable and/or uncontrollable occurrences.

The Insured Person agrees to release and to hold the Company, the Plan Administrator and their agents and representatives harmless from, and agrees that the Company, the Plan Administrator and their agents and representatives shall not be held liable or responsible for, any delays, losses, damages, further Injuries or Illnesses, or any other claims that arise from or are caused in whole or in part by the acts or omissions of such independent third party contractors or their agents, employees or representatives, or that arise from or are caused in whole or in part by any acts, omissions, events or circumstances that are not within the direct and immediate supervision and control of the Company, the Plan Administrator and/or their authorized agents and representatives, including without limitation the events and circumstances set forth above.

The Insured Person further agrees that upon seeking a Non-emergency Medical Evacuation, he or she will cooperate fully as required by the CONDITIONS AND GENERAL PROVISIONS, COOPERATION provision. Failure to so cooperate and/or failure to use or accept Non-emergency Medical Evacuation once it has been arranged by the Company will require the Insured Person to reimburse the Company for costs incurred for any Non-emergency Medical Evacuation that was arranged, but not used, by the Insured Person. Furthermore, the Insured Person may be required to arrange for payment of any subsequent Non-emergency Medical Evacuation and seek reimbursement thereafter for eligible costs associated with that subsequent Non-emergency Medical Evacuation.

Y. POLITICAL EVACUATION AND REPATRIATION: Maximum Limit: $100,000

If the United States Department of State, Bureau of Consular Affairs or similar government organization of the Insured Person’s Country of Residence orders the evacuation of all non-emergency government personnel from the Destination Country, due to political unrest, that becomes effective on or after the Insured Person’s date of arrival in the Destination Country, the Company will reimburse up to the amount shown in the BENEFIT SUMMARY for transportation to the nearest place of safety or for repatriation to the Insured Person’s Country of Residence provided that all of the following conditions are met:

(1) the Insured Person contacts the Company within ten (10) days of the United States Department of State, Bureau of Consular Affairs or similar government organization of the Insured Person’s Country of Residence issuing the evacuation order

(2) the evacuation order pertains to persons from the same Country of Residence as the Insured Person

(3) Political Evacuation and Repatriation is approved by the Company.

In no event will the Company pay for a Political Evacuation if there is a Travel Warning or Emergency Travel Advisory in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Destination Country. This coverage will provide the most appropriate and economical means of travel consistent under the circumstances of the Insured Person’s health and safety.

POLITICAL OR PERSONAL SECURITY EVACUATION – $100,000 per person

If You experience a Political or Personal Security Event as defined while on Your Trip outside of Your Home Country, We will arrange and pay for the reasonable and necessary expense of moving and transporting You from an international airport or other safe departure point designated by Our Plan Assistance Provider to the nearest safe and acceptable location, up to the Maximum Benefit Amount shown in the Schedule of Benefits.

Benefits are only provided if Our Plan Assistance Provider arranges or coordinates Your evacuation including the means, methods and timing. Arrangements will be made by the most appropriate and economical means available and consistent with Your health and safety. The event which causes Your need to be evacuated must occur while You are on Your Trip, and You must notify Us as soon as possible of Your request to be evacuated.

Specific waiver of liability for Political or Security Evacuation

If You request this benefit, You understand the following:

1. We and any affiliated party offering this Policy plan, do not accept any liability from the evacuation situation.
2. You and all minors, dependents, relatives, and interested or disinterested parties agree to forever waive any and all liability to Us or any evacuation team, company, entity and/or volunteer. This includes liability for injuries, stress, death, disablement, sickness or any claims, reason or cause whatsoever from any efforts to reach You, assist You, or respond in any way to Your evacuation. This is regardless of whether the evacuation was ever initiated, cancelled, delayed, or misdirected.
3. If any part of this is held invalid, it does not invalidate the other parts of any other parties’ waivers. Neither We nor Our Plan Assistance Provider will be responsible for the availability, timing, quality, results of, or failure to provide any service caused by conditions beyond Our control. This includes Our inability to provide You an evacuation or any additional services when the rendering of such evacuation or service is: 1) prohibited by U.S. law, local law, or regulatory agencies; or 2) requested from any country subject to the administration and enforcement of U.S. economic embargoes and trade sanctions by the Office of Foreign Asset Controls.

If evacuation becomes impractical due to hostile or dangerous conditions, Our Plan Assistance Provider will maintain contact with You and advise You until evacuation becomes viable or until the Political or Personal Security Event has abated or passed.

As a part of this benefit, Our Plan Assistance Provider will coordinate and/or arrange Your ground transportation to the designated international airport or other safe departure point.

Following an evacuation due to a covered Political or Personal Security Event, and when safety allows, We will also pay for one-way Economy Transportation to return You to either the country of Your Trip destination or Your Home Country, at Your election. This benefit is only available if not covered elsewhere in the Policy.

For this coverage, a covered Political or Personal Security Event shall mean:

1. civil and/or military uprising, insurrection, war, revolution or another similar situation which: (a) in Our or Our Plan Assistance Provider’s opinion constitutes a breakdown of law and order which significantly threatens Your physical safety, or (b) in the opinion of the recognized government of the Home Country or the country of your Trip destination, immediate evacuation is advised;
2. You are expelled or declared “persona non grata” on the written authority of the recognized government of the country of Your Trip destination; or
3. a Terrorist Incident in the city, district or county where You are currently on Your Trip.

NATURAL DISASTER EVACUATION – $100,000 per person

In the event a Natural Disaster occurs while on Your Trip outside of Your Home Country, We will pay for the reasonable and necessary expense of moving and transporting You from an international airport or other safe departure point designated by Our Plan Assistance Provider to the nearest safe and acceptable location, up to the Maximum Benefit Amount shown in the Schedule of Benefits.

Benefits are only provided to You if Our Plan Assistance Provider arranges or coordinates Your evacuation including the means, methods and timing. Arrangements will be made by the most appropriate and economical means available and consistent with Your health and safety. The event which causes Your need to be evacuated must occur while You are on Your Trip, and You must notify Us as soon as possible of Your request to be evacuated.

Specific waiver of liability for Natural Disaster Evacuation

If You request this benefit, You understand the following:

1. We and any affiliated party offering this Policy, do not accept any liability from the evacuation situation.
2. You and all minors, dependents, relatives, and interested or disinterested parties agree to forever waive any and all liability to Us or any evacuation team, company, entity and/or volunteer. This includes liability for injuries, stress, death, disablement, sickness or any claims, reason or cause whatsoever from any efforts to reach You, assist You, or respond in any way to Your evacuation. This is regardless of whether the evacuation was ever initiated, cancelled, delayed, or misdirected.
3. If any part of this is held invalid, it does not invalidate the other parts of any other parties’ waivers. Neither Us nor Our Plan Assistance Provider will be responsible for the availability, timing, quality, results of, or failure to provide any service caused by conditions beyond Our control. This includes Our inability to provide You an evacuation or any additional services when the rendering of such evacuation or service is prohibited by U.S. law, local law, or regulatory agencies.

If evacuation becomes impractical due to hostile or dangerous conditions, Our Plan Assistance Provider will maintain contact with You and advise You until evacuation becomes viable or until the event has abated or passed.

As a part of this coverage, Our Plan Assistance Provider will coordinate and/or arrange Your ground transportation to the designated international airport or other safe departure point.

Following an evacuation due to a covered Natural Disaster, and when safety allows, We will also pay for one-way Economy Transportation to return You to either the country of the Trip destination or Your Home Country, at Your election.

NON-MEDICAL EMERGENCY TRANSPORTATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, for the Covered Transportation Expenses incurred if You must leave Your Trip for a Covered Reason listed below.

Covered Reasons:

a) a Natural Disaster;

b) A Security Situation;

c) A Political Situation.

Covered Transportation Expenses under this benefit are reasonable and customary expenses for necessary transportation to transport You to the nearest place of safety as determined in advance by the Company or the Company’s Travel Assistance Company in its sole discretion or to Your Home, if a Natural Disaster or Security Situation or Political Situation occurs while on Your Trip. Expenses for transportation must be: a) by the most direct and economical route possible; and b) such transportation is reasonably possible under the circumstances.

The Company will pay benefits for Your transportation only if the actual evacuation process has been initiated within seven (7) days from the initial Natural Disaster, Security Situation or Political Situation evacuation notice advised or posted, whichever is earlier, by the recognized government of either the United States or the Host Country.

NON-MEDICAL EMERGENCY TRANSPORTATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, for the Covered Transportation Expenses incurred if You must leave Your Trip for a Covered Reason listed below.

Covered Reasons:
a) a Natural Disaster;
b) A Security Situation;
c) A Political Situation.

Covered Transportation Expenses under this benefit are reasonable and customary expenses for necessary transportation to transport You to the nearest place of safety as determined in advance by the Company or the Company’s Travel Assistance Company in its sole discretion or to Your Home, if a Natural Disaster or Security Situation or Political Situation occurs while on Your Trip. Expenses for transportation must be: a) by the most direct and economical route possible; and b) such transportation is reasonably possible under the circumstances.

The Company will pay benefits for Your transportation only if the actual evacuation process has been initiated within seven (7) days from the initial Natural Disaster, Security Situation or Political Situation evacuation notice advised or posted, whichever is earlier, by the recognized government of either the United States or the Host Country.

POLITICAL OR SECURITY EVACUATION

We will pay, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for all reasonable Political or Security Evacuation expenses and Related Costs incurred for Your transportation, if You must interrupt Your Trip for a covered Political or Security Event and while traveling outside Your Home Country.

The Political or Security Evacuation must occur within 14 days of the Political or Security Event, and the arrangements will be by the most appropriate and by most efficient, practical and economical means available and consistent with Your health and safety.

Following the Political or Security Evacuation and when safety allows, We will pay for one-way economy transportation and Related Costs to return You to one of the following locations as chosen by You:

a. back to the Host Country if return is safe and permitted; or
b. back to Your Home Country; or
c. back to Your Return Destination; or
d. to the Nearest Place of Safety necessary to ensure Your safety and well-being as determined by Us or Our designated Travel Assistance Services Provider.

POLITICAL OR SECURITY EVACUATION COVERAGE DEFINITIONS

Political or Security Evacuation means Your extraction from or within the Host Country due to a Political or Security Evacuation that results in You being placed in imminent physical danger.

Political or Security Event means:

1. civil, military or political unrest for which a formal written recommendation from the appropriate local government authorities, or the U.S. State Department, for You to leave a country is issued;
2. You being expelled or declared a persona non-grata by a country You are visiting on Your Trip;
3. You or Your Traveling Companion are the victim of Felonious Assault while on Your Trip.

Children under the age two (2) for whom no Travel Arrangements are obtained but are named on Your travel itinerary will be covered for Political or Security Evacuation. This coverage does not apply to a Political or Security Evacuation incurred by any Child born or adopted during Your Trip.

5.7 Natural Disaster Evacuation and Repatriation – $25,000

If You require an emergency evacuation due to a Natural Disaster, the Company will arrange and pay up to the amount in the Schedule of Benefits for reasonable and necessary Expenses incurred for (i) Your Natural Disaster Evacuation; (ii) reasonable lodging if You are delayed at the safe location; and (iii) Your Natural Disaster Repatriation by means of one-way economy class airfare.

The Natural Disaster Evacuation or Natural Disaster Repatriation must be arranged by Seven Corners Assist. In the event You do not contact Seven Corners Assist, this benefit will be limited to the amount the Company would have paid if Seven Corners Assist was utilized. Only Expenses which are Medically Necessary and cost appropriate will be considered.

We will determine the need for the Natural Disaster Evacuation in consultation with local governments and security analysts. We may use any appropriate resources to evacuate You including, but not limited to, charter aircraft, ground, transportation, and sea transportation in such circumstances where the point of departure may not be an international airport. You may be required to release the Company or any provider from liability during this Natural Disaster Evacuation. If a Natural Disaster Evacuation is impossible due to hostile conditions, the Company will use security resources to maintain contact with You to the greatest extent allowed by circumstance until a Natural Disaster Evacuation becomes possible or the emergency is resolved.

The Company will not be responsible for failure to provide services or for delays caused by conditions beyond its control including, but not limited to, weather conditions, flight availability, strikes, unforeseen changes to airport regulations or restrictions, Your failure to comply with the Company’s recommendations, or where rendering of service is prohibited by local laws or regulatory agencies. Further, if You can leave the Destination Country location by normal means, such as changing a commercial airline ticket, no coverage applies, but the Company will assist in rebooking flights or other transportation.

Natural Disaster Evacuation and Repatriation Exclusions. The coverage provided under this section excludes Expenses:

a. Incurred while You are traveling within fifty (50) miles of Your Primary Residence;
b. When the Natural Disaster precedes Your arrival in the affected location;
c. When the Natural Disaster precedes Your arrival in the affected location;
d. When the evacuation notice issued by the United States or Destination Country government has been posted for a period of more than sixty (60) days;
e. When You do not depart in a timely manner or comply with evacuation arrangements coordinated by Seven Corners Assist;
f. For Your Medical Treatment;
g. Not related to the Natural Disaster Evacuation or Natural Disaster Repatriation including Expenses for transportation from the Destination Country by normal commercial means;
h. For the kidnap or ransom of You; and
i. For services not arranged by Seven Corners Assist.

Travel Accommodations Exclusion 9(ww) is waived for this benefit. All other exclusions in Section 9 apply to the coverage provided under this section. In the event that an exclusion in Section 9 conflicts with a Natural Disaster Evacuation and Repatriation Exclusion, the Natural Disaster Evacuation and Repatriation Exclusion takes precedence and shall override the conflicting exclusion in Section 9.

5.8 Political Evacuation and Repatriation – $10,000

The Company will arrange and pay up to the amount in the Schedule of Benefits for reasonable and necessary Expenses incurred for (i) Your Political Evacuation; and/or (ii) Your Political Repatriation by means of a one-way economy class airfare. Political Evacuation and/or Political Repatriation must occur within ten (10) days of the events causing the necessity for such action. The means of transportation will be the most appropriate and economical under the circumstances for Your health and safety. Such Expenses will be paid once for You per occurrence.

If You fail to heed a Level 3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory issued by the United States Department of State or similar warnings issued by other appropriate authorities of either Your Destination Country or Your Home Country recommending that travelers avoid a certain country, region, or specific areas or locations within a country, benefits for Political Evacuation and Repatriation are not covered and will be denied.

The Political Evacuation or Political Repatriation must be arranged by Seven Corners Assist. In the event You do not contact Seven Corners Assist, this benefit will be limited to the amount the Company would have paid if Seven Corners Assist was utilized. Only Expenses which are necessary and cost appropriate will be considered.

Political Evacuation and Repatriation Exclusions. The coverage provided under this section excludes Expenses:

a. Recoverable under any other insurance or through an employer;
b. Arising from or attributable to:
i. Dishonest or criminal acts committed or attempted by You;
ii. Alleged violation of the laws of the Destination Country by You unless the Company, in its sole discretion, determines such allegations to be fraudulent;
iii. Your failure to maintain required documents or visas;
iv. Debt, insolvency, commercial failure, or the repossession of any property;
v. Your non-compliance with a contract or license; and
vi. implementation of illegally contributed exchange rates.
c. Due to liability assured or assumed by You under any contract; or
d. For arrangements not made by Seven Corners Assist.

Additionally, the exclusions in Section 8 apply to the coverage provided under this section.

5.7 Natural Disaster Evacuation and Repatriation.

If You require an emergency evacuation due to a Natural Disaster, the Company will arrange and pay up to the amount in the Schedule of Benefits for reasonable and necessary Expenses incurred for (i) Your Natural Disaster Evacuation; (ii) reasonable lodging if You are delayed at the safe location; and (iii) Your Natural Disaster Repatriation by means of one-way economy class airfare.

The Natural Disaster Evacuation or Natural Disaster Repatriation must be arranged by Seven Corners Assist. In the event You do not contact Seven Corners Assist, this benefit will be limited to the amount the Company would have paid if Seven Corners Assist was utilized. Only Expenses which are Medically Necessary and cost appropriate will be considered.

We will determine the need for the Natural Disaster Evacuation in consultation with local governments and security analysts. We may use any appropriate resources to evacuate You including, but not limited to, charter aircraft, ground, transportation, and sea transportation in such circumstances where the point of departure may not be an international airport. You may be required to release the Company or any provider from liability during this Natural Disaster Evacuation. If a Natural Disaster Evacuation is impossible due to hostile conditions, the Company will use security resources to maintain contact with You to the greatest extent allowed by circumstance until a Natural Disaster Evacuation becomes possible or the emergency is resolved.

The Company will not be responsible for failure to provide services or for delays caused by conditions beyond its control including, but not limited to, weather conditions, flight availability, strikes, unforeseen changes to airport regulations or restrictions, Your failure to comply with the Company’s recommendations, or where rendering of service is prohibited by local laws or regulatory agencies. Further, if You can leave the Destination Country location by normal means, such as changing a commercial airline ticket, no coverage applies, but the Company will assist in rebooking flights or other transportation.

5.8 Political Evacuation and Repatriation.

The Company will arrange and pay up to the amount in the Schedule of Benefits for reasonable and necessary Expenses incurred for (i) Your Political Evacuation; and/or (ii) Your Political Repatriation by means of a one-way economy class airfare. Political Evacuation and/or Political Repatriation must occur within ten (10) days of the events causing the necessity for such action. The means of transportation will be the most appropriate and economical under the circumstances for Your health and safety. Such Expenses will be paid once for You per occurrence.

If You fail to heed a Level 3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory issued by theUnited States Department of State or similar warnings issued by other appropriate authorities of either Your Destination Country or Your Home Country recommending that travelers avoid a certain country, region, or specific areas or locations within a country, benefits for Political Evacuation and Repatriation are not covered and will be denied.

The Political Evacuation or Political Repatriation must be arranged by Seven Corners Assist. In the event You do not contact Seven Corners Assist, this benefit will be limited to the amount the Company would have paid if Seven Corners Assist was utilized. Only Expenses which are necessary and cost appropriate will be considered.

POLITICAL OR SECURITY EVACUATION

We will pay, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for all reasonable Political or Security Evacuation expenses and Related Costs incurred for Your transportation, if You must interrupt Your Trip for a covered Political or Security Event and while traveling outside Your Home Country.

The Political or Security Evacuation must occur within 14 days of the Political or Security Event, and the arrangements will be by the most appropriate and by most efficient, practical and economical means available and consistent with Your health and safety.

Following the Political or Security Evacuation and when safety allows, We will pay for one-way economy transportation and Related Costs to return You to one of the following locations as chosen by You:

a. back to Your point of origin for Your Trip; or
b. to the Nearest Place of Safety necessary to ensure Your safety and well-being as determined by Us or Our designated Travel Assistance Services Provider.

POLITICAL OR SECURITY EVACUATION COVERAGE DEFINITIONS

Political or Security Evacuation means Your extraction from or within the Host Country due to a Political or Security Evacuation that results in You being placed in imminent physical danger.

Political or Security Event means:

1. civil, military or political unrest for which a formal written recommendation from the appropriate local government authorities, or the U.S. State Department, for You to leave a country is issued;

2. You being expelled or declared a persona non-grata by a country You are visiting on Your Trip;

POLITICAL OR SECURITY EVACUATION COVERAGE CONDITIONS AND LIMITATIONS

1. The benefits and services described herein are provided to You only if authorized, arranged and coordinated by Us or Our designated Travel Assistance Services Provider;

2. We will not pay any costs or expenses arising from:

a. We will not pay for any loss or expense arising from or attributable to: a) fraudulent or criminal acts committed or attempted by You; b) alleged violation of the laws of the country You are visiting, unless We determine such allegations to be fraudulent; or c) failure to maintain required documents or visas;

b. We will not pay for any loss or expense arising from or attributable to: a) debt, insolvency, business or commercial failure; b) the repossession of any property; or c) Your non-compliance with a contract, license or permit;

c. We will not pay for any loss or expense arising from or due to liability assumed by You under any contract;

d. Your arrival into a country for which a formal recommendation in the form of a travel alert or travel warning from the U.S State Department advising caution at a level 4 or higher in traveling to specified destinations due to reasons such as armed violence, civil or political unrest, high incidence of crime (specially kidnapping and/or murder), natural disaster or outbreak of one or more contagious diseases has been issued preceding Your arrival into that country on Your Trip.

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

NATURAL DISASTER EVACUATION

We will pay, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for all reasonable Natural Disaster Evacuation expenses and Related Costs incurred for Your transportation, if You must interrupt Your Trip for a covered Natural Disaster Event and while traveling outside Your Home Country.

The Natural Disaster Evacuation must occur within 14 days of the Natural Disaster Event, and the arrangements will be by the most appropriate and by most efficient, practical and economical means available and consistent with Your health and safety.

Following the Natural Disaster Evacuation and when safety allows, We will pay for one-way economy transportation and Related Costs to return You to one of the following locations as chosen by You:

a. back to Your point of origin for Your Trip; or
b. to the Nearest Place of Safety necessary to ensure Yours safety and well-being as determined by Us or Our designated Travel Assistance Services Provider.

NATURAL DISASTER EVACUATION COVERAGE DEFINITIONS

Natural Disaster Evacuation means Your extraction from or within the Host Country due to a Natural Disaster Evacuation that results in You being placed in imminent physical danger.

Natural Disaster Event results in such severe and widespread damage that the area of damage is officially declared a disaster area by the appropriate local government authorities of the Host Country, and the area is deemed to be Uninhabitable or dangerous.

NATURAL DISASTER EVACUATION COVERAGE CONDITIONS AND LIMITATIONS

1. The benefits and services described herein are provided to You only if authorized, arranged and coordinated by Us or Our designated Travel Assistance Services Provider;

2. We will not pay any costs or expenses arising from:

a. We will not pay for any loss or expense arising from or attributable to: a) fraudulent or criminal acts committed or attempted by You; b) alleged violation of the laws of the country You are visiting, unless We determine such allegations to be fraudulent; or c) failure to maintain required documents or visas;

b. We will not pay for any loss or expense arising from or attributable to: a) debt, insolvency, business or commercial failure; b) the repossession of any property; or c) Your non-compliance with a contract, license or permit;

c. We will not pay for any loss or expense arising from or due to liability assumed by You under any contract;

d. Your arrival into a country for which a formal recommendation in the form of a travel alert or travel warning from the U.S State Department advising caution at a level 4 or higher in traveling to specified destinations due to reasons such as armed violence, civil or political unrest, high incidence of crime (specially kidnapping and/or murder), natural disaster or outbreak of one or more contagious diseases has been issued preceding Your arrival into that country on Your Trip.

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

POLITICAL OR SECURITY EVACUATION

We will pay, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for all reasonable Political or Security Evacuation expenses and Related Costs incurred for Your transportation, if You must interrupt Your Trip for a covered Political or Security Event and while traveling outside Your Home Country.

The Political or Security Evacuation must occur within 14 days of the Political or Security Event, and the arrangements will be by the most appropriate and by most efficient, practical and economical means available and consistent with Your health and safety.

Following the Political or Security Evacuation and when safety allows, We will pay for one-way economy transportation and Related Costs to return You to one of the following locations as chosen by You:

a. back to Your point of origin for Your Trip; or

b. to the Nearest Place of Safety necessary to ensure Your safety and well-being as determined by Us or Our designated Travel Assistance Services Provider.

POLITICAL OR SECURITY EVACUATION COVERAGE DEFINITIONS

Political or Security Evacuation means Your extraction from or within the Host Country due to a Political or Security Evacuation that results in You being placed in imminent physical danger.

Political or Security Event means:

1. civil, military or political unrest for which a formal written recommendation from the appropriate local government authorities, or the U.S. State Department, for You to leave a country is issued;

2. You being expelled or declared a persona non-grata by a country You are visiting on Your Trip;

NATURAL DISASTER EVACUATION

We will pay, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for all reasonable Natural Disaster Evacuation expenses and Related Costs incurred for Your transportation, if You must interrupt Your Trip for a covered Natural Disaster Event and while traveling outside Your Home Country.

The Natural Disaster Evacuation must occur within 14 days of the Natural Disaster Event, and the arrangements will be by the most appropriate and by most efficient, practical and economical means available and consistent with Your health and safety.

Following the Natural Disaster Evacuation and when safety allows, We will pay for one-way economy transportation and Related Costs to return You to one of the following locations as chosen by You:

a. back to Your point of origin for Your Trip; or

b. to the Nearest Place of Safety necessary to ensure Yours safety and well-being as determined by Us or Our designated Travel Assistance Services Provider.

NATURAL DISASTER EVACUATION COVERAGE DEFINITIONS

Natural Disaster Evacuation means Your extraction from or within the Host Country due to a Natural Disaster Event that results in You being placed in imminent physical danger.

Natural Disaster Event results in such severe and widespread damage that the area of damage is officially declared a disaster area by the appropriate local government authorities of the Host Country, and the area is deemed to be Uninhabitable or dangerous.

SECURITY EVACUATION BENEFIT optional upgrade

Subject to SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE,

the Insured’s coverage under the Security Evacuation Benefit will take effect on the Scheduled Date of Departure.

In order for this Security Evacuation Benefit to apply, the Covered Trip Destination must be more than 100 miles from outside the Insured’s country of Primary Residence

If, as a result of an Event that takes place while the Insured is on a Covered Trip, the Insured requires extrication from a location in which he or she is traveling due to an Imminent Physical Danger, We or Our Assistance Provider will arrange for and pay on the Insured’s behalf a Security Evacuation Benefit, for the Transport and Related Costs (including hotel/lodging, meals and, if necessary, physical protection for the Insured; but excluding personal comfort and convenience items) of the Insured to the Nearest Place of Safety, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule. We or Our Assistance Provider must be contacted prior to the Transport and We or Our Assistance Provider must pre-authorize the Transport for this Security Evacuation Benefit to be payable. Where a Security Evacuation becomes impractical because of hostile or dangerous conditions, We or Our Assistance Provider will make every effort to maintain contact with the Insured.

We or Our Assistance Provider will also arrange for, and pay on the Insured’s behalf or reimburse the Insured a Security Evacuation Benefit, for the Transport and Related Costs (including hotel/lodging, meals and, if necessary, physical protection for the Insured; but excluding personal comfort and convenience items) of the Insured, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, within 7 days of the Insured’s extrication from a location in which he or she was traveling due to an Imminent Physical Danger back to the location in which the Insured was traveling, provided return is safe and permitted, or the Insured’s Primary Residence.

Based on all the circumstances, for the limited purpose of determining Our liability, We or Our Assistance Provider will determine the necessity of the extrication, the feasibility of the extrication and the appropriateness of the scheduling, as well as what mode of Transportation, special equipment and personnel are covered. The maximum amount We will pay for hotel/lodging and meals is $250 per day, up to a maximum of five day(s). We will pay this Security Evacuation Benefit only one time per Event.

Eligible Security Evacuation expenses are for Transportation and Related Costs to the Nearest Place of Safety necessary to ensure the Insured’s safety and well-being as determined by the Designated Security Consultant. Benefits will also be payable for Transportation and Related Costs within 14 days of the Security Evacuation to one of these locations as chosen by the Insured:

a) back to the Host Country if return is safe and permitted;
b) to the Insured’s Home Country; or
c) to the Insured’s return Destination.

Security Evacuation Benefits will be payable for consulting services by Designated Security Consultant for seeking information on Missing Person or kidnapping cases if the Insured is deemed kidnapped or a Missing Person by local or international authorities. This benefit is subject to the Security Evacuation Benefit Maximum Covered Amount per Insured shown in the Schedule. The Assistance Provider must make all arrangements and must authorize all expenses in advance of any benefit being payable. We are not responsible for the availability of Transport services. Where a Security Evacuation becomes impractical because of hostile or dangerous conditions, a Designated Security Consultant will endeavor to maintain contact with the Insured until a Security Evacuation becomes viable.

Specific Waiver of Liability for Security Evacuation Benefit:

If the Insured requests this benefit, the Insured understands that We and any affiliated party offering this benefit ,do not accept any liability from the Security Evacuation situation, and the Insured, Insured’s Traveling Companion, or Family Member traveling with the Insured and all minors, dependents, relatives, and interested or disinterested parties agree to forever waive, any and all liability to Us or any Security Evacuation team, company, entity, and volunteer, for Injuries, stress, death, disablement, Sickness, or any claim, reason, or cause whatsoever from any Security Evacuation used to attempt to reach the Insured, Insured’s Traveling Companion, or Family Member traveling with the Insured, assist the person, or respond in any way to the Insured’s, Insured’s Traveling Companion’s, or Family Member’s traveling with the Insured Security Evacuation, regardless of whether the Security Evacuation was ever initiated, canceled, delayed, misdirected, or unable to locate, rescue, or stabilize the Insured, Insured’s Traveling Companion, or Family Member traveling with the Insured If any part of this Waiver is held invalid, it does not invalidate the other parts or any other parties’ waivers.

Definitions:

For purposes of this Section III. B. 2. Security Evacuation Benefit only, the following definitions apply:

Advisory means a formal recommendation by the Appropriate Authorities that the Insured or citizens of his/her Home Country or citizens of the Host Country leave the Host Country.

Appropriate Authority(ies) means the government authority(ies) in the Insured’s Home Country or the government authority(ies) of the Host Country.

Designated Security Consultant means an employee of a security firm under contract to the Assistance Provider who is experienced in security and measures necessary to ensure the safety of the Insured(s) in his/her care.

Event means any of the following situations in which the Insured finds himself or herself while on a Covered Trip:

a. expulsion from a location in which the Insured is traveling or being declared persona non-grata on the written authority of the recognized government of the location in which the Insured is traveling;
b. political, social, or military events involving the location in which the Insured is traveling that result in the appropriate government authority(ies) of the Insured’s location of Primary Residence or the location in which the Insured is traveling issuing a formal recommendation that citizens of the Insured’s country of Primary Residence or the country in which the Insured is traveling leave the location in which the Insured is traveling;
c. storm (wind, rain, snow, sleet, hail, lightning, dust or sand), earthquake, flood, volcanic eruption, wildfire or other similar event that results in such severe and widespread damage that the area of damage is officially declared a disaster area by the appropriate government authority(ies) of the location in which the Insured is traveling and such area is deemed to be Uninhabitable or dangerous;
d. confirmed (by documentation or physical evidence) attack or threat of attack against the Insured’s health and safety by a third party ;or
e. deemed kidnapped or a Missing Person by local or international authorities and, when found, the Insured’s health or safety are in question within 14 day(s) of his/her being found.

Exempted Country means any of the following countries: Afghanistan, Belarus, Central African Republic, Crimea of Ukraine, Cuba, Ethiopia, Haiti, Iran, Iraq, Israel, Libya, Mali, North Korea, Russian Federation, Somalia, South Sudan, Syria, Ukraine, Yemen. We further reserve Our rights to modify this list upon 30 day(s) notice to the Insured.

Home Country means the country of citizenship of the Insured. If the Insured has dual citizenship, for the purposes of this benefit, his/her Home Country is the country of the passport he or she used to enter the Host Country.

Host Country means any country, other than an Exempted Country, in which an Insured is traveling while covered under this plan.

Imminent Physical Danger means the Insured is subject to possible physical injury or sickness that could result in grave physical harm or death.

Missing Person means an Insured who disappeared for an unknown reason and whose disappearance was reported to the Appropriate Authority(ies).

Nearest Place of Safety means a location determined by the Designated Security Consultant where: (i) the Insured can be presumed safe from the Event that precipitated the Insured’s Security Evacuation; (ii) the Insured has access to Transportation to his/her Home Country; and (iii) the Insured has the availability of temporary lodging, if needed.

Related Costs means food, lodging and, if necessary, physical protection for the Insured during the Transport to the Nearest Place of Safety.

Security Evacuation means the extrication of an Insured from the Host Country due to an Event that results in the Insured being placed in Imminent Physical Danger.

Transport or Transportation means the most efficient and available method of conveyance. In all cases, where practical, economy fare will be utilized. If possible, the Insured’s Common Carrier tickets will be used.

Transport or Transportation means any land, sea or air conveyance required to transport the Insured during an emergency evacuation. Transportation includes, but is not limited to, air ambulances, land ambulances and private motor vehicles.

Right of Recovery of Security Evacuation Benefits

If, after a Security Evacuation is completed, it becomes clear that the Insured was an active participant in the events that led to an Event, We have the right to recover all Transportation and Related Costs from the Insured.

2. SECURITY EVACUATION BENEFIT optional upgrade

Subject to SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE, the Insured’s coverage under the Security Evacuation Benefit will take effect on the Scheduled Date of Departure.

In order for this Security Evacuation Benefit to apply, the Covered Trip Destination must be more than 100 miles from outside the Insured’s country of Primary Residence.

If, as a result of an Event that takes place while the Insured is on a Covered Trip, the Insured requires extrication from a location in which he or she is traveling due to an Imminent Physical Danger, We or Our Assistance Provider will arrange for and pay on the Insured’s behalf a Security Evacuation Benefit, for the Transport and Related Costs (including hotel/lodging, meals and, if necessary, physical protection for the Insured; but excluding personal comfort and convenience items) of the Insured to the Nearest Place of Safety, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule. We or Our Assistance Provider must be contacted prior to the Transport and We or Our Assistance Provider must pre-authorize the Transport for this Security Evacuation Benefit to be payable. Where a Security Evacuation becomes impractical because of hostile or dangerous conditions, We or Our Assistance Provider will make every effort to maintain contact with the Insured.

We or Our Assistance Provider will also arrange for, and pay on the Insured’s behalf or reimburse the Insured a Security Evacuation Benefit, for the Transport and Related Costs (including hotel/lodging, meals and, if necessary, physical protection for the Insured; but excluding personal comfort and convenience items) of the Insured, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, within 7 days of the Insured’s extrication from a location in which he or she was traveling due to an Imminent Physical Danger back to the location in which the Insured was traveling, provided return is safe and permitted, or the Insured’s Primary Residence.

Based on all the circumstances, for the limited purpose of determining Our liability, We or Our Assistance Provider will determine the necessity of the extrication, the feasibility of the extrication and the appropriateness of the scheduling, as well as what mode of Transportation, special equipment and personnel are covered. The maximum amount We will pay for hotel/lodging and meals is $250 per day, up to a maximum of five day(s). We will pay this Security Evacuation Benefit only one time per Event.

Eligible Security Evacuation expenses are for Transportation and Related Costs to the Nearest Place of Safety necessary to ensure the Insured’s safety and well-being as determined by the Designated Security Consultant. Benefits will also be payable for Transportation and Related Costs within 14 days of the Security Evacuation to one of these locations as chosen by the Insured:

a. back to the Host Country if return is safe and permitted;
b. to the Insured’s Home Country; or
c. to the Insured’s return Destination.

Security Evacuation Benefits will be payable for consulting services by Designated Security Consultant for seeking information on Missing Person or kidnapping cases if the Insured is deemed kidnapped or a Missing Person by local or international authorities. This benefit is subject to the Security Evacuation Benefit Maximum Covered Amount per Insured shown in the Schedule. The Assistance Provider must make all arrangements and must authorize all expenses in advance of any benefit being payable. We are not responsible for the availability of Transport services. Where a Security Evacuation becomes impractical because of hostile or dangerous conditions, a Designated Security Consultant will endeavor to maintain contact with the Insured until a Security Evacuation becomes viable.

Specific Waiver of Liability for Security Evacuation Benefit:

If the Insured requests this benefit, the Insured understands that We and any affiliated party offering this benefit, do not accept any liability from the Security Evacuation situation, and the Insured, Insured’s Traveling Companion, or Family Member traveling with the Insured and all minors, dependents, relatives, and interested or disinterested parties agree to forever waive, any and all liability to Us or any Security Evacuation team, company, entity, and volunteer, for Injuries, stress, death, disablement, Sickness, or any claim, reason, or cause whatsoever from any Security Evacuation used to attempt to reach the Insured, Insured’s Traveling Companion, or Family Member traveling with the Insured, assist the person, or respond in any way to the Insured’s, Insured’s Traveling Companion’s, or Family Member’s traveling with the Insured Security Evacuation, regardless of whether the Security Evacuation was ever initiated, canceled, delayed, misdirected, or unable to locate, rescue, or stabilize the Insured, Insured’s Traveling Companion, or Family Member traveling with the Insured If any part of this Waiver is held invalid, it does not invalidate the other parts or any other parties’ waivers.

Definitions:

For purposes of this Section III. B. 2. Security Evacuation Benefit only, the following definitions apply:

Advisory means a formal recommendation by the Appropriate Authorities that the Insured or citizens of his/her Home Country or citizens of the Host Country leave the Host Country.

Appropriate Authority(ies) means the government authority(ies) in the Insured’s Home Country or the government authority(ies) of the Host Country.

Designated Security Consultant means an employee of a security firm under contract to the Assistance Provider who is experienced in security and measures necessary to ensure the safety of the Insured(s) in his/her care.

Event means any of the following situations in which the Insured finds himself or herself while on a Covered Trip:

a. expulsion from a location in which the Insured is traveling or being declared persona non-grata on the written authority of the recognized government of the location in which the Insured is traveling;
b. political, social, or military events involving the location in which the Insured is traveling that result in the appropriate government authority(ies) of the Insured’s location of Primary Residence or the location in which the Insured is traveling issuing a formal recommendation that citizens of the Insured’s country of Primary Residence or the country in which the Insured is traveling leave the location in which the Insured is traveling;
c. storm (wind, rain, snow, sleet, hail, lightning, dust or sand), earthquake, flood, volcanic eruption, wildfire or other similar event that results in such severe and widespread damage that the area of damage is officially declared a disaster area by the appropriate government authority(ies) of the location in which the Insured is traveling and such area is deemed to be Uninhabitable or dangerous;
d. confirmed (by documentation or physical evidence) attack or threat of attack against the Insured’s health and safety by a third party;or
e. deemed kidnapped or a Missing Person by local or international authorities and, when found, the Insured’s health or safety are in question within 14 day(s) of his/her being found.

Exempted Country means any of the following countries: Afghanistan, Belarus, Central African Republic, Crimea of Ukraine, Cuba, Ethiopia, Haiti, Iran, Iraq, Israel, Libya, Mali, North Korea, Russian Federation, Somalia, South Sudan, Syria, Ukraine, Yemen. We further reserve Our rights to modify this list upon 30 day(s) notice to the Insured.

Home Country means the country of citizenship of the Insured. If the Insured has dual citizenship, for the purposes of this benefit, his/her Home Country is the country of the passport he or she used to enter the Host Country.

Host Country means any country, other than an Exempted Country, in which an Insured is traveling while covered under this plan.

Imminent Physical Danger means the Insured is subject to possible physical injury or sickness that could result in grave physical harm or death.

Missing Person means an Insured who disappeared for an unknown reason and whose disappearance was reported to the Appropriate Authority(ies).

Nearest Place of Safety means a location determined by the Designated Security Consultant where: (i) the Insured can be presumed safe from the Event that precipitated the Insured’s Security Evacuation; (ii) the Insured has access to Transportation to his/her Home Country; and (iii) the Insured has the availability of temporary lodging, if needed.

Related Costs means food, lodging and, if necessary, physical protection for the Insured during the Transport to the Nearest Place of Safety.

Security Evacuation means the extrication of an Insured from the Host Country due to an Event that results in the Insured being placed in Imminent Physical Danger.

Transport or Transportation means the most efficient and available method of conveyance. In all cases, where practical, economy fare will be utilized. If possible, the Insured’s Common Carrier tickets will be used.

Transport or Transportation means any land, sea or air conveyance required to transport the Insured during an emergency evacuation. Transportation includes, but is not limited to, air ambulances, land ambulances and private motor vehicles.

Right of Recovery of Security Evacuation Benefits

If, after a Security Evacuation is completed, it becomes clear that the Insured was an active participant in the events that led to an Event, We have the right to recover all Transportation and Related Costs from the Insured.