The table below shows you at a glance which company provides the most comprehensive coverage for the Non-Medical Evacuation element within your policy.

If you see a plan listed more than once, this means the plan offers different coverage for the residents of the states listed next to the plan name. Click the coverages listed below the table or the further research button to view more coverage tables. Remember, you are only a few quick questions away from an instant quote from all the major travel insurance providers.

View full coverage summary for Non-Medical Evacuation for the policies below

Air Ambulance Card
Air Ambulance Card

1

Air Ambulance Card - Standard Annual
Air Ambulance Card

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

2

Air Ambulance Card - Extended Stay 6 Months
Air Ambulance Card

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

3

Air Ambulance Card - Extended Stay 12 Months
Air Ambulance Card

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

APRIL Travel Protection
APRIL Travel Protection

4

Economy Plan
APRIL Travel Protection

Non-Medical Evacuation Benefits
$100,000 per person

Quote

Full Policy Wording

EMERGENCY NON-MEDICAL EVACUATION DUE TO CATASTROPHE

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

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

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

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

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

5

VIP Plan
APRIL Travel Protection

Non-Medical Evacuation Benefits
$250,000 per person

Quote

Full Policy Wording

EMERGENCY NON-MEDICAL EVACUATION DUE TO CATASTROPHE

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

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

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

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

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

6

Trip Cancellation Plan
APRIL Travel Protection

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

7

Multi-Trip Plan Universal
APRIL Travel Protection

Non-Medical Evacuation Benefits
$50,000 per person

Quote

Full Policy Wording

EMERGENCY NON-MEDICAL EVACUATION DUE TO CATASTROPHE

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

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

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

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

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

8

Multi-Trip Plan Elite
APRIL Travel Protection

Non-Medical Evacuation Benefits
$100,000 per person

Quote

Full Policy Wording

EMERGENCY NON-MEDICAL EVACUATION DUE TO CATASTROPHE

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

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

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

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

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

9

Choice
APRIL Travel Protection

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

AXA Assistance USA
AXA Assistance USA

10

Silver
AXA Assistance USA

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

11

Gold
AXA Assistance USA

Non-Medical Evacuation Benefits
$50,000 per person

Quote

Full Policy Wording

EMERGENCY NON-MEDICAL EVACUATION DUE TO CATASTROPHE

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

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

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

Expenses for Transportation must be:

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

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

12

Platinum
AXA Assistance USA

Non-Medical Evacuation Benefits
$100,000 per person

Quote

Full Policy Wording

EMERGENCY NON-MEDICAL EVACUATION DUE TO CATASTROPHE

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

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

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

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

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

SECURITY OR POLITICAL EVACUATION

The following definitions apply only with respect to Security or Political Evacuation coverage:

“Covered Expenses” means the necessary expenses incurred by You in Your Security Evacuation or Political Evacuation and which do not exceed the maximum shown on the Schedule of Benefits for Security Evacuation or a Political Evacuation.

“Emergency Security Situation” means a civil and/or military uprising, insurrection, war, revolution, or other violent disturbance in a Host Country, which, in the opinion of either the recognized government of Your Home Country or the Host Country, immediate evacuation is advised. Emergency Security Situation does not include Natural Disasters.

“Home Country” means the country or territory as shown on Your passport.

“Host Country” means a country or territory You are visiting or in which You are living and which is not Your Home Country.

“Political Evacuation” means:
a) The Political Situation warrants immediate Transportation from Your Host Country;
b) You have notified the Assistance Company regarding the need to evacuate; and
c) The Assistance Company has arranged Your evacuation from an international airport or other safe departure point they designate to the nearest safe haven.

“Political Situation” means a written recommendation by officials of Your Home Country that You leave Your Host Country for non-medical reasons, or if You are expelled or declared “persona non grata” on the written authority of Your Host Country.

“Security Evacuation” means:
a) The Emergency Security Situation warrants immediate Transportation from Your Host Country;
b) You have notified the Assistance Company regarding the need to evacuate; and
c) The Assistance Company has arranged Your evacuation from an international airport, or other safe departure point they designate, to the nearest safe haven.

We will pay benefits for Covered Expenses incurred, up to the maximum shown on the Schedule of Benefits, if an Emergency Security Situation or a Political Situation commences while You are in a Host Country and results in Your Security Evacuation or Political Evacuation, and if such evacuation is reasonably possible under the circumstances. We will pay benefits for Your Security Evacuation or Political Evacuation only if the actual evacuation process has been initiated within 7 days from the initial evacuation notice advised or posted, whichever is earlier, by the recognized government of Your Home Country or the Host Country.

Following a Security Evacuation or a Political Evacuation, and when safety allows, We will pay for one-way economy airfare to return You to either the Host Country or Your Home Country, whichever country You designate.

Additional Services: We will pay the Assistance Company to provide the following services:

a) The Assistance Company will arrange for Your Security Evacuation or Political Evacuation as provided and limited herein.

b) The Assistance Company will assist You with the arrangement of ground Transportation to the designated international airport or other safe departure point. You will be responsible for any costs associated with this segment of the evacuation.

c) If Your Security Evacuation becomes impractical due to hostile or dangerous conditions, the Assistance Company will maintain contact with You and advise You until evacuation becomes viable or the Emergency Security Situation has passed.

d) Upon Your request, the Assistance Company will provide You with the latest authoritative information and security guidance.

e) In the event You feel Your personal safety is threatened, but the situation does not dictate a Security Evacuation or Political Evacuation and You still request to be evacuated, the Assistance Company will assist You with the evacuation arrangements. You will be responsible for the costs associated with this type of voluntary evacuation.
These payments are in addition to the maximum shown on the Schedule of Benefits for Security Evacuation or a Political Evacuation.

Security Evacuation Coverage Conditions and Limitations:

a) The benefits and services described herein are provided to You only if the Assistance Company provides or coordinates them.

b) The Assistance Company has sole discretion regarding the means, methods and timing of a Security Evacuation or a Political Evacuation. However, the decision to travel is Your sole responsibility.

c) You will be responsible for all Transportation and living costs while at the safe haven.

d) We and/or the Assistance Company are not responsible for the availability, timing, quality, results of, or failure to
provide any service caused by conditions beyond Our or Your control. This includes Your failure to obtain Security Evacuation or a Political Evacuation, or any additional services where the rendering of such evacuation or service is prohibited by the laws of the United States of America, local laws or regulatory agencies.

e) Security Evacuation and Political Evacuation are not covered from Afghanistan, Iraq or Somalia.

f) The maximum shown on the Schedule of Benefits for Security Evacuation or a Political Evacuation is in United States currency and applies per person per Emergency Security Situation or Political Situation.

g) We do not cover:

1. Security Evacuation or a Political Evacuation from Your Home Country.

2. Security Evacuation or a Political Evacuation when the Emergency Security Situation or Political Situation precedes Your arrival in the Host Country.

3. Security Evacuation or a Political 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 7 days and You have failed to notify the Assistance Company regarding the need to evacuate.

4. 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.

5. More than 1 Security Evacuation or a Political Evacuation from a country or territory per Covered Trip.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

13

Beacon America incl US
Azimuth Risk Solutions, LLC

Non-Medical Evacuation Benefits
$20,000 per person

Quote

Full Policy Wording

32.17 Political Evacuation — Subject to the Benefits and Limits set forth in the Schedule of

Benefits/Limits in Section 21, the Scheme Administrator will pay the following Political

Evacuation Benefits when the US Department of State issues a travel warning after the

Participating Members’ arrival in the destination country and/or after the Effective Date of

insurance;

32.17.1 The cost of transportation by the most economical means possible for the Participating Member to the nearest country of safety or to the Home Country, provided that the Participating Member contacts the Scheme Administrator within ten (10) days of the warning is issued and subject to the following conditions and restrictions; and

32.17.2 The Participating Member must be in compliance with all conditions and provisions of this evidence of insurance; and

32. 17.3 The Participating Member must have already arrived in his or her destination country when the US Department of State issues a travel warning for that country; and

32. 17.4 Determination of the country to which the Participating Member will be evacuated will be determined by the Scheme Administrator; and

32.17.5 Political Evacuation Benefits must be approved in advance and coordinated by The Scheme Administrator; and

32.17.6 The Scheme Administrator will use their best efforts to arrange any Political Evacuation within the least amount of time possible. The Participating Member understands that the timelines of evacuation can be affected by circumstances that are not within the control of the Scheme Administrator, such as, availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems and weather. The Participating Member, and his or her heirs, agrees to hold the Scheme Administrator harmless, and the Scheme Administrator shall not be held liable for any delays that are not within their direct and immediate control.

14

Beacon International excl US
Azimuth Risk Solutions, LLC

Non-Medical Evacuation Benefits
$10,000 per person

Quote

Full Policy Wording

32.17 Political Evacuation — Subject to the Benefits and Limits set forth in the Schedule of Benefits/Limits in Section 21, the Scheme Administrator will pay the following Political Evacuation Benefits when the US Department of State issues a travel warning after the Participating Members’ arrival in the destination country and/or after the Effective Date of insurance;

32.17.1 The cost of transportation by the most economical means possible for the Participating Member to the nearest country of safety or to the Home Country, provided that the Participating Member contacts the Scheme Administrator within ten (10) days of the warning is issued and subject to the following conditions and restrictions; and

32.17.2 The Participating Member must be in compliance with all conditions and provisions of this evidence of insurance; and

32. 17.3 The Participating Member must have already arrived in his or her destination country when the US Department of State issues a travel warning for that country; and

32. 17.4 Determination of the country to which the Participating Member will be evacuated will be determined by the Scheme Administrator; and

32.17.5 Political Evacuation Benefits must be approved in advance and coordinated by The Scheme Administrator; and

32.17.6 The Scheme Administrator will use their best efforts to arrange any Political Evacuation within the least amount of time possible. The Participating Member understands that the timelines of evacuation can be affected by circumstances that are not within the control of the Scheme Administrator, such as, availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems and weather. The Participating Member, and his or her heirs, agrees to hold the Scheme Administrator harmless, and the Scheme Administrator shall not be held liable for any delays that are not within their direct and immediate control.

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

15

ExactCare
Berkshire Hathaway Travel Protection

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

CSA Travel Protection
CSA Travel Protection

16

Custom
CSA Travel Protection

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

GeoBlue
GeoBlue

17

Voyager Choice
GeoBlue

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

18

Voyager Essential
GeoBlue

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

19

Trekker Choice excl US
GeoBlue

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

20

Trekker Essential excl US
GeoBlue

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

Global Alert
Global Alert

21

Essentials
Global Alert

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

22

Preferred
Global Alert

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

23

Preferred Plus
Global Alert

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

HCC Medical Insurance Services
HCC Medical Insurance Services

24

Atlas International excl US
HCC Medical Insurance Services

Non-Medical Evacuation Benefits
$10,000 per person

Quote

Full Policy Wording

ELIGIBLE EXPENSESPOLITICAL EVACUATION

1. If the U.S. government issues a travel warning after the Member’s arrival in the destination country, Underwriters will provide the cost of transportation by the most economical means possible for the Member to the nearest country of safety or to the Member’s Home Country, provided that the Member contacts Underwriters within 10 days of the date the warning is issued.

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy are met. Determination of the country to which the Member will be evacuated will be determined by Underwriters.

HTH Travel Insurance
HTH Travel Insurance

25

TravelGap Voyager excl US
HTH Travel Insurance

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

26

TripProtector Preferred
HTH Travel Insurance

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

27

TravelGap Multi-Trip Silver excl US
HTH Travel Insurance

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

28

TravelGap Multi-Trip Gold excl US
HTH Travel Insurance

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

29

TravelGap Excursion excl US
HTH Travel Insurance

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

30

TripProtector Economy
HTH Travel Insurance

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

31

TripProtector Classic
HTH Travel Insurance

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

iTravelInsured
iTravelInsured

32

Travel Lite
iTravelInsured

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

33

Travel SE
iTravelInsured

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

34

Travel SE
iTravelInsured

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

35

Travel LX
iTravelInsured

Non-Medical Evacuation Benefits
$50,000 per person

Quote

Full Policy Wording

NON-MEDICAL EMERGENCY EVACUATION

This Non-Medical Emergency Evacuation Benefit is not available if a formal recommendation in the form of a Travel Advisory or Travel Warning from the U.S. State Department is issued for a country preceding Your arrival into that country on Your Trip, or if a country is an Excluded Country preceding Your arrival into that country on Your Trip.

You are eligible for benefits, up to the Maximum Benefit Amount shown in the Declaration Page, for all reasonable expenses incurred for Your transportation to the nearest place of safety, or to Your primary place of residence, if You must leave Your Trip for a Non-Medical Emergency Evacuation Covered reason, as defined below.

Non-Medical Emergency Evacuation must occur within 14 days of any covered 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 iTravelInsured, Inc.

Non-Medical Emergency Evacuation Covered reasons:

We will pay for the Non-Medical Emergency Evacuation Benefits listed above if, while on Your Trip, a formal recommendation in the form of a Travel Advisory or Travel Warning from the U.S. State Department, is issued for You to leave a country You are visiting on Your Trip due to:

1. a Natural Disaster;

2. civil, military or political unrest; or

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

Non-Medical Emergency Evacuation Exclusions:

We do not cover:

1. loss or expense for a Non-Medical Emergency Evacuation Covered reason which took place in an Excluded Country;

2. loss or expense recoverable under any other insurance or through an employer;

3. loss or expense arising from or attributable to:

a. fraudulent or criminal acts committed or attempted by You ;

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;

4. loss or expense arising from or attributable to:

a. debt, insolvency, business or commercial failure;

the repossession of any property; or

c. Your non-compliance with a contract, license or permit;

5. loss or expense arising from or due to liability assumed by You under any contract.

36

Travel LX
iTravelInsured

Non-Medical Evacuation Benefits
$50,000 per person

Quote

Full Policy Wording

NON-MEDICAL EMERGENCY EVACUATION

This Non-Medical Emergency Evacuation Benefit is not available if a formal recommendation in the form of a Travel Advisory or Travel Warning from the U.S. State Department is issued for a country preceding Your arrival into that country on Your Trip, or if a country is an Excluded Country preceding Your arrival into that country on Your Trip.

You are eligible for benefits, up to the Maximum Benefit Amount shown in the Declaration Page, for all reasonable expenses incurred for Your transportation to the nearest place of safety, or to Your primary place of residence, if You must leave Your Trip for a Non-Medical Emergency Evacuation Covered reason, as defined below.

Non-Medical Emergency Evacuation must occur within 14 days of any covered 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 iTravelInsured, Inc.

Non-Medical Emergency Evacuation Covered reasons:

We will pay for the Non-Medical Emergency Evacuation Benefits listed above if, while on Your Trip, a formal recommendation in the form of a Travel Advisory or Travel Warning from the U.S. State Department, is issued for You to leave a country You are visiting on Your Trip due to:

1. a Natural Disaster;

2. civil, military or political unrest; or

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

Non-Medical Emergency Evacuation Exclusions:

We do not cover:

1. loss or expense for a Non-Medical Emergency Evacuation Covered reason which took place in an Excluded Country;

2. loss or expense recoverable under any other insurance or through an employer;

3. loss or expense arising from or attributable to:

a. fraudulent or criminal acts committed or attempted by You ;

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;

4. loss or expense arising from or attributable to:

a. debt, insolvency, business or commercial failure;

the repossession of any property; or

c. Your non-compliance with a contract, license or permit;

5. loss or expense arising from or due to liability assumed by You under any contract.

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

37

Bronze
John Hancock Insurance Agency, Inc.

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

38

Silver
John Hancock Insurance Agency, Inc.

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

39

Gold
John Hancock Insurance Agency, Inc.

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

MedjetAssist
MedjetAssist

40

Annual Membership
MedjetAssist

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

41

MedjetAssist Extended Stay
MedjetAssist

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

42

MedjetAssist Short Term Plan
MedjetAssist

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

MH Ross Travel Insurance Services
MH Ross Travel Insurance Services

43

Asset Plus
MH Ross Travel Insurance Services

Non-Medical Evacuation Benefits
$25,000 per person

Quote

Full Policy Wording

All reasonable expenses incurred for Your transportation to the nearest place of safety, or to Your home, are covered, up to a maximum of $25,000, if You must leave Your Trip for a Covered Reason.

Evacuation must occur within 10 days of any covered 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 One Call Worldwide Travel Services Network, Inc.

Covered Reasons: We will pay for the Non-Medical Emergency Evacuation Benefits listed above if, while on Your Trip, a formal recommendation from the appropriate local authorities, or the U.S. State Department, is issued for You to leave a country You are visiting on Your Trip due to: 1) a natural disaster; 2) civil, military or political unrest; or 3) Your being expelled or declared a persona non-grata by a country You are visiting on Your Trip.

Non-Medical Emergency Evacuation Exclusions:

We do not cover: 1) loss or expense recoverable under any other insurance or through an employer; 2) loss or expense arising from or attributable to: (a) dishonest 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 © failure to maintain required documents or visas; 3) loss or expense arising from or attributable to: (a) debt, insolvency, business or commercial failure; (b) the repossession of any property; or © Your non- compliance with a contract, license or permit; 4) loss or expense arising from or due to liability assumed by You under any contract.

Non-Medical Emergency Evacuation Benefits and Services are provided by: One Call Worldwide Travel Services Network, Inc.

44

Bridge
MH Ross Travel Insurance Services

Non-Medical Evacuation Benefits
$25,000 per person

Quote

Full Policy Wording

All reasonable expenses incurred for Your transportation to the nearest place of safety, or to Your home, are covered, up to a maximum of $25,000, if You must leave Your Trip for a Covered Reason. Evacuation must occur within 10 days of any covered 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 One Call Worldwide Travel Services Network, Inc.

Covered Reasons:

We will pay for the Non-Medical Emergency Evacuation Benefits listed above if, while on Your Trip, a formal recommendation from the appropriate local authorities, or the U.S. State Department, is issued for You to leave a country You are visiting on Your Trip due to: 1) a natural disaster; 2) civil, military or political unrest; or 3) Your being expelled or declared a persona non-grata by a country You are visiting on Your Trip.

Non-Medical Evacuation Exclusions:

We do not cover:

1) loss or expense recoverable under any other insurance or through an employer;

2) loss or expense arising from or attributable to: a) dishonest 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;

3) loss or expense arising from or attributable to: a) debt, insolvency, business or commercial failure; b) the repossession of any property; or © Your non-compliance with a contract, license or permit;

4) loss or expense arising from or due to liability assumed by You under any contract.

Non-Medical Emergency Evacuation Benefits and Services are provided by: One Call Worldwide Travel Services Network, Inc.

45

Complete
MH Ross Travel Insurance Services

Non-Medical Evacuation Benefits
$25,000 per person

Quote

Full Policy Wording

All reasonable expenses incurred for Your transportation to the nearest place of safety, or to Your home, are covered, up to a maximum of $25,000, if You must leave Your Trip for a Covered Reason.

Evacuation must occur within 10 days of any covered 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 One Call Worldwide Travel Services Network, Inc.

Covered Reasons: We will pay for the Non-Medical Emergency Evacuation Benefits listed above if, while on Your Trip, a formal recommendation from the appropriate local authorities, or the U.S. State Department, is issued for You to leave a country You are visiting on Your Trip due to: 1) a natural disaster; 2) civil, military or political unrest; or 3) Your being expelled or declared a persona non-grata by a country You are visiting on Your Trip.

Non-Medical Emergency Evacuation Exclusions:

We do not cover: 1) loss or expense recoverable under any other insurance or through an employer; 2) loss or expense arising from or attributable to: (a) dishonest 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; 3) loss or expense arising from or attributable to: (a) debt, insolvency, business or commercial failure; (b) the repossession of any property; or © Your non- compliance with a contract, license or permit; 4) loss or expense arising from or due to liability assumed by You under any contract.

Non-Medical Emergency Evacuation Benefits and Services are provided by: One Call Worldwide Travel Services Network, Inc.

46

Asset
MH Ross Travel Insurance Services

Non-Medical Evacuation Benefits
$25,000 per person

Quote

Full Policy Wording

All reasonable expenses incurred for Your transportation to the nearest place of safety, or to Your home, are covered, up to a maximum of $25,000, if You must leave Your Trip for a Covered Reason. Evacuation must occur within 10 days of any covered 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 One Call Worldwide Travel Services Network, Inc.

Covered Reasons:

We will pay for the Non-Medical Emergency Evacuation Benefits listed above if, while on Your Trip, a formal recommendation from the appropriate local authorities, or the U.S. State Department, is issued for You to leave a country You are visiting on Your Trip due to: 1) a natural disaster; 2) civil, military or political unrest; or 3) Your being expelled or declared a persona non-grata by a country You are visiting on Your Trip.

Non-Medical Evacuation Exclusions:

We do not cover:

1) loss or expense recoverable under any other insurance or through an employer;

2) loss or expense arising from or attributable to: a) dishonest 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;

3) 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;

4) loss or expense arising from or due to liability assumed by You under any contract.

Non-Medical Emergency Evacuation Benefits and Services are provided by: One Call Worldwide Travel Services Network, Inc.

RoamRight
RoamRight

47

Essential
RoamRight

Non-Medical Evacuation Benefits
$100,000 per person

Quote

Full Policy Wording

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 COVERAGE DEFINITIONS

“Home Country” means the country or territory as shown on Your passport.

“Host Country” means a country or territory You are visiting or in which You are living which is not Your Home Country.

“Political or Security Event” means: 1) a Natural Disaster; 2) 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; or 3) 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 Our Program Assistance Provider arranges or coordinates Your evacuation.

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

3. Our Program Assistance 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 the rendering of such evacuation or service is prohibited by United States of America law, local laws or regulatory agencies. A Political or Security Evacuation is not covered from Afghanistan, Iraq, Somalia, Chechnya, Democratic Republic of the Congo, Iran, Israel West Bank, Israel Gaza Strip, Ivory Coast, Lebanon, Libya, North Korea, Sudan or Syria.

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 Our Program Assistance 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.

7. We will not pay for more than one (1) Political or Security Evacuation from a country or territory per individual per Trip.

8. 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.

9. 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.

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

48

Preferred
RoamRight

Non-Medical Evacuation Benefits
$100,000 per person

Quote

Full Policy Wording

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 COVERAGE DEFINITIONS

“Home Country” means the country or territory as shown on Your passport.

“Host Country” means a country or territory You are visiting or in which You are living which is not Your Home Country.

“Political or Security Event” means: 1) a Natural Disaster; 2) 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; or 3) 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 Our Program Assistance Provider arranges or coordinates Your evacuation.

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

3. Our Program Assistance 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 the rendering of such evacuation or service is prohibited by United States of America law, local laws or regulatory agencies. A Political or Security Evacuation is not covered from Afghanistan, Iraq, Somalia, Chechnya, Democratic Republic of the Congo, Iran, Israel West Bank, Israel Gaza Strip, Ivory Coast, Lebanon, Libya, North Korea, Sudan or Syria.

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

a. Political or Security Evacuation from Your Home Country.

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 Our Program Assistance 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.

7. We will not pay for more than one (1) Political or Security Evacuation from a country or territory per individual per Trip.

8. 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.

9. 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.

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

49

Elite
RoamRight

Non-Medical Evacuation Benefits
$100,000 per person

Quote

Full Policy Wording

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 COVERAGE DEFINITIONS

“Home Country” means the country or territory as shown on Your passport.

“Host Country” means a country or territory You are visiting or in which You are living which is not Your Home Country.

“Political or Security Event” means: 1) a Natural Disaster; 2) 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; or 3) 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 Our Program Assistance Provider arranges or coordinates Your evacuation.

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

3. Our Program Assistance 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 the rendering of such evacuation or service is prohibited by United States of America law, local laws or regulatory agencies. A Political or Security Evacuation is not covered from Afghanistan, Iraq, Somalia, Chechnya, Democratic Republic of the Congo, Iran, Israel West Bank, Israel Gaza Strip, Ivory Coast, Lebanon, Libya, North Korea, Sudan or Syria.

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 Our Program Assistance 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.

7. We will not pay for more than one (1) Political or Security Evacuation from a country or territory per individual per Trip.

8. 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.

9. 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.

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

50

Active
RoamRight

Non-Medical Evacuation Benefits
$100,000 per person

Quote

Full Policy Wording

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 COVERAGE DEFINITIONS

“Home Country” means the country or territory as shown on Your passport.

“Host Country” means a country or territory You are visiting or in which You are living which is not Your Home Country.

“Political or Security Event” means: 1) a Natural Disaster; 2) 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; or 3) 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 Our Program Assistance Provider arranges or coordinates Your evacuation.

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

3. Our Program Assistance 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 the rendering of such evacuation or service is prohibited by United States of America law, local laws or regulatory agencies. A Political or Security Evacuation is not covered from Afghanistan, Iraq, Somalia, Chechnya, Democratic Republic of the Congo, Iran, Israel West Bank, Israel Gaza Strip, Ivory Coast, Lebanon, Libya, North Korea, Sudan or Syria.

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 Our Program Assistance 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.

7. We will not pay for more than one (1) Political or Security Evacuation from a country or territory per individual per Trip.

8. 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.

9. 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.

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

51

Adventure
RoamRight

Non-Medical Evacuation Benefits
$100,000 per person

Quote

Full Policy Wording

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 COVERAGE DEFINITIONS

“Home Country” means the country or territory as shown on Your passport.

“Host Country” means a country or territory You are visiting or in which You are living which is not Your Home Country.

“Political or Security Event” means: 1) a Natural Disaster; 2) 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; or 3) 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 Our Program Assistance Provider arranges or coordinates Your evacuation.

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

3. Our Program Assistance 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 the rendering of such evacuation or service is prohibited by United States of America law, local laws or regulatory agencies. A Political or Security Evacuation is not covered from Afghanistan, Iraq, Somalia, Chechnya, Democratic Republic of the Congo, Iran, Israel West Bank, Israel Gaza Strip, Ivory Coast, Lebanon, Libya, North Korea, Sudan or Syria.

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 Our Program Assistance 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.

7. We will not pay for more than one (1) Political or Security Evacuation from a country or territory per individual per Trip.

8. 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.

9. 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.

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

52

Multi-Trip
RoamRight

Non-Medical Evacuation Benefits
$100,000 per person

Quote

Full Policy Wording

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 COVERAGE DEFINITIONS

“Home Country” means the country or territory as shown on Your passport.

“Host Country” means a country or territory You are visiting or in which You are living which is not Your Home Country.

“Political or Security Event” means: 1) a Natural Disaster; 2) 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; or 3) You being expelled or declared a persona non-grata by a country You are visiting on Your Trip.

53

Multi-Trip Medical excl US
RoamRight

Non-Medical Evacuation Benefits
$100,000 per person

Quote

Full Policy Wording

POLITICAL EVACUATION

Political Evacuation is provided by RoamRight’s designated provider. In the event of a political emergency situation due to government or social upheaval while traveling in a foreign country; the Assistance Company will evacuate You to the nearest place of safety and then to Your home. All reasonable expenses incurred for Your transportation to the nearest place of safety, and then to Your home, are covered up to a maximum of $100,000. Arrangements will be by the most appropriate and economical means available and consistent with Your health and safety. If an evacuation is impossible due to hostile conditions, the Assistance Company will use security resources to maintain contact with You until evacuation becomes possible or the emergency is concluded. All arrangements must be arranged and coordinated by the Assistance Company. Services rendered without the coordination and approval of the Assistance Company are not covered.

54

Medical excl US
RoamRight

Non-Medical Evacuation Benefits
$100,000 per person

Quote

Full Policy Wording

POLITICAL EVACUATION

Political Evacuation is provided by RoamRight’s designated provider. In the event of a political emergency situation due to government or social upheaval while traveling in a foreign country; the Assistance Company will evacuate You to the nearest place of safety and then to Your home. All reasonable expenses incurred for Your transportation to the nearest place of safety, and then to Your home, are covered up to a maximum of $100,000. Arrangements will be by the most appropriate and economical means available and consistent with Your health and safety. If an evacuation is impossible due to hostile conditions, the Assistance Company will use security resources to maintain contact with You until evacuation becomes possible or the emergency is concluded. All arrangements must be arranged and coordinated by the Assistance Company. Services rendered without the coordination and approval of the Assistance Company are not covered.

Seven Corners Inc
Seven Corners Inc

55

RoundTrip
Seven Corners Inc

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

56

RoundTrip Choice
Seven Corners Inc

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

57

Liaison Continent excl US
Seven Corners Inc

Non-Medical Evacuation Benefits
$10,000 per person

Quote

Full Policy Wording

Political Evacuation and Repatriation of Remains: If due to political or military events in a Host Country, a formal recommendation from the appropriate authorities is issued for the Insured to leave the Host Country or the Insured is expelled or declared persona non-grata by the Host Country, all reasonable expenses incurred for transportation to the nearest place of safety or for Repatriation to the Insured’s Home Country or country of residence are covered up to the maximum stated in the SCHEDULE OF BENEFITS . Evacuation must occur within 10 days of any such event. Coverage will apply to the most appropriate and economical means consistent under the circumstances with your health & safety. Evacuation costs will be paid once per Insured per occurrence. In the event this benefit is needed, arrangements must be made by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

The Political Evacuation and Repatriation of Remains Benefit will not pay, should the Insured not heed Travel Warnings issued by the State Department or the appropriate authorities recommending that travelers avoid a certain country.

Natural Disaster Evacuation/Repatriation (only available for travel outside the United States): If You require Emergency Evacuation due to a Natural Disaster, which makes Your Host Country location Uninhabitable, as deemed by Seven Corners security personnel and as described in this document under “Natural Disaster Evacuation Triggers,” Seven Corners will arrange and pay for evacuation from a safe departure point to the nearest safe location. Seven Corners shall arrange and pay up to a maximum of three (3) days for reasonable accommodations related to lodging if You are delayed at the safe location. Seven Corners shall also arrange and pay for one-way economy airfare to return You to Your Home Country following a Natural Disaster Evacuation. This Policy shall pay up to the maximum stated in the SCHEDULE OF BENEFITS.

You must contact Seven Corners as soon as possible after Your Host Country issues the official disaster declaration, as delays may make safe transportation impossible. The method of transportation will be as deemed most appropriate to ensure Your safety. If evacuation becomes impractical due to hostile or dangerous conditions, Seven Corners will maintain contact with and advise You until evacuation becomes viable or the natural disaster situation has been resolved.

Should commercial transportation be available, but transportation to the commercial transportation departure point will place You in imminent bodily harm, Seven Corners shall arrange and pay for Your secure transport to the departure point. Fees for commercial transportation and/or change fees are Yours once You reach the departure point where normal commercial transportation is available.

Natural Disaster Evacuation Triggers

If You are away from Your permanent residence when a Natural Disaster takes place, Seven Corners shall make arrangements for Your Natural Disaster Evacuation/Repatriation. The transportation will take place as determined by Seven Corners security personnel, in accordance with local and U.S. authorities, if You cannot obtain commercial transportation to the nearest safe location within a time period:

1. Enabling You to leave the Host Country in time to avert Imminent Bodily Harm; OR
2. Complying with the time allowed to leave the Host Country pursuant to the orders of the recognized government of that Host Country. AND the below must occur:
3. Officials of the Host Country of the U.S. Embassy, have issued, for reasons due to the Natural Disaster situation, a recommendation that the categories of persons which include You should leave the Host Country.
OR
Your location in the Host Country is deemed Uninhabitable by Seven Corners security personnel

General Limitations Regarding Natural Disaster Evacuation Benefits
Seven Corners security personnel will determine the need for evacuation in consultation with local governments and security analysts. Seven Corners may use any and all appropriate resources to evacuate You including, but not limited to, charter aircraft, ground and sea transportation in such circumstances where the point of departure may not be an international airport. In the case that an evacuation is impossible due to hostile conditions, Seven Corners will use security resources to maintain contact with You, to the greatest extent allowed by circumstance, until evacuation becomes possible or the emergency is resolved.

In the event You are in an area in which an act of rebellion, riot, military uprising, war, terrorism, labor disturbance, strike, nuclear accident, or interference by authorities inhibits Seven Corners’ ability to fully provide services, Seven Corners shall nonetheless use its best efforts to provide its services, recognizing that obstacles beyond its control will affect the level of service. Seven Corners cannot be held responsible for failure to provide services or for delays caused by conditions beyond its control including, but not limited to, flight or weather conditions, strikes, unforeseen changes to airport regulations or restrictions, failure of You to comply with Seven Corners’ recommendations, or where rendering of service is prohibited by local laws or regulatory agencies.

58

Liaison Majestic excl US
Seven Corners Inc

Non-Medical Evacuation Benefits
$100,000 per person

Quote

Full Policy Wording

POLITICAL EVACUATION AND REPATRIATION OF REMAINS

If due to political or military events in a host country, a formal recommendation from the appropriate authorities is issued for the Insured to leave the Host Country or the Insured is expelled or declared persona non-grata by the host country, all reasonable expenses incurred for transportation to the nearest place of safety or for repatriation to the Insured’s Home Country or country of residence are covered up to the maximum statement in the SCHEDULE OF BENEFITS. Evacuation must occur within 10 days of any such event. Coverage will apply to the most appropriate and economical means consistent under the circumstances with your health & safety. Evacuation costs will be paid once per Insured per occurrence. In the event this benefit is needed, arrangements must be made by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

The Political Evacuation and Repatriation of Remains Benefit will not pay, should the Insured not heed Travel Warnings issued by the State Department or the appropriate authorities recommending that travelers avoid a certain country.

Natural Disaster Benefit: This Policy shall pay up to the benefit stated in the SCHEDULE OF BENEFITS per day for five (5) days for the following expenses due to a Natural Disaster: Replacement accommodations in the event You are Displaced from planned, paid accommodations due to evacuation from a forecasted Natural Disaster or following a Natural Disaster. You must provide receipt of proof of payment for the accommodations from which You were Displaced. The Company will not cover any expenses provided by another party at no cost to You.

Natural Disaster Evacuation/Repatriation (only available for travel outside the United States): If You require Emergency Evacuation due to a Natural Disaster, which makes Your Host Country location Uninhabitable, as deemed by Seven Corners security personnel and as described in this document under “Natural Disaster Evacuation Triggers,” Seven Corners will arrange and pay for evacuation from a safe departure point to the nearest safe location. Seven Corners shall arrange and pay up to a maximum of three (3) days for reasonable accommodations related to lodging if You are delayed at the safe location. Seven Corners shall also arrange and pay for one-way economy airfare to return You to Your Home Country following a Natural Disaster Evacuation. This Policy shall pay up to the maximum stated in the SCHEDULE OF BENEFITS.

You must contact Seven Corners as soon as possible after Your Host Country issues the official disaster declaration, as delays may make safe transportation impossible. The method of transportation will be as deemed most appropriate to ensure Your safety. If evacuation becomes impractical due to hostile or dangerous conditions, Seven Corners will maintain contact with and advise You until evacuation becomes viable or the natural disaster situation has been resolved.

Should commercial transportation be available, but transportation to the commercial transportation departure point will place You in imminent bodily harm, Seven Corners shall arrange and pay for Your secure transport to the departure point. Fees for commercial transportation and/or change fees are Your once You reach the departure point where normal commercial transportation is available.

Natural Disaster Evacuation Triggers

If You are away from Your permanent residence when a Natural Disaster takes place, Seven Corners shall make arrangements for Your Natural Disaster Evacuation/Repatriation. The transportation will take place as determined by Seven Corners security personnel, in accordance with local and U.S. authorities, if You cannot obtain commercial transportation to the nearest safe location within a time period:

1. Enabling You to leave the Host Country in time to avert Imminent Bodily Harm; OR

2. Complying with the time allowed to leave the Host Country pursuant to the orders of the recognized government of that Host Country. AND the below must occur:

3. Officials of the Host Country or the U.S. Embassy, have issued, for reasons due to the Natural Disaster situation, a recommendation that the categories of persons which include You should leave the Host Country.

OR

Your location in the Host Country is deemed Uninhabitable by Seven Corners security personnel.

General Limitations Regarding Natural Disaster Evacuation Benefits

Seven Corners security personnel will determine the need for evacuation in consultation with local governments and security analysts. Seven Corners may use any and all appropriate resources to evacuate You including, but not limited to, charter aircraft, ground and sea transportation in such circumstances where the point of departure may not be an international airport. In the case that an evacuation is impossible due to hostile conditions, Seven Corners will use security resources to maintain contact with You, to the greatest extent allowed by circumstance, until evacuation becomes possible or the Emergency is resolved.

In the event You are in an area in which an act of rebellion, riot, military uprising, war, terrorism, labor disturbance, strike, nuclear accident, or interference by authorities inhibits Seven Corners’ ability to fully provide services, Seven Corners shall nonetheless use its best efforts to provide its services, recognizing that obstacles beyond its control will affect the level of service. Seven Corners cannot be held responsible for failure to provide services or for delays caused by conditions beyond its control including, but not limited to, flight or weather conditions, strikes, unforeseen changes to airport regulations or restrictions, failure of You to comply with Seven Corners’ recommendations, or where rendering of service is prohibited by local laws or regulatory agencies.

59

Liaison International excl US
Seven Corners Inc

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

60

RoundTrip Economy
Seven Corners Inc

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

61

RoundTrip Elite
Seven Corners Inc

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

Tin Leg
Tin Leg

62

Luxury
Tin Leg

Non-Medical Evacuation Benefits
$50,000 per person

Quote

Full Policy Wording

EMERGENCY NON-MEDICAL EVACUATION DUE TO CATASTROPHE

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

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

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

Expenses for Transportation must be:

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

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

Travelex Insurance Services
Travelex Insurance Services

63

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

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

64

Flight Insure Package Plan Multi-trip
Travelex Insurance Services

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

65

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

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

66

Flight Insure Plus - Package Plan
Travelex Insurance Services

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

67

Travel Basic
Travelex Insurance Services

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

68

Travel Max
Travelex Insurance Services

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

69

Travel Select
Travelex Insurance Services

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

TravelSafe
TravelSafe

70

Basic
TravelSafe

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

71

Classic
TravelSafe

Non-Medical Evacuation Benefits
$25,000 per person

Quote

Full Policy Wording

All reasonable expenses incurred for Your transportation to the nearest place of safety, or to Your home, are covered, up to a maximum of $25,000, if You must leave Your Trip for a Covered Reason.

Evacuation must occur within 10 days of any covered 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 One Call Worldwide Travel Services Network, Inc.

Covered Reasons: We will pay for the Non-Medical Emergency Evacuation Benefits listed above if, while on Your Trip, a formal recommendation from the appropriate local authorities, or the U.S. State Department, is issued for You to leave a country You are visiting on Your Trip due to: 1) a natural disaster; 2) civil, military or political unrest; or 3) Your being expelled or declared a persona non-grata by a country You are visiting on Your Trip.

Non-Medical Emergency Evacuation Exclusions:

We do not cover: 1) loss or expense recoverable under any other insurance or through an employer; 2) loss or expense arising from or attributable to: a) dishonest 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; 3) 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; 4) loss or expense arising from or due to liability assumed by You under any contract.

Non-Medical Emergency Evacuation Benefits and Services are provided by: One Call Worldwide Travel Services Network, Inc.

72

Classic Plus
TravelSafe

Non-Medical Evacuation Benefits
$25,000 per person

Quote

Full Policy Wording

All reasonable expenses incurred for Your transportation to the nearest place of safety, or to Your home, are covered, up to a maximum of $25,000, if You must leave Your Trip for a Covered Reason.

Evacuation must occur within 10 days of any covered 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 One Call Worldwide Travel Services Network, Inc.

Covered Reasons: We will pay for the Non-Medical Emergency Evacuation Benefits listed above if, while on Your Trip, a formal recommendation from the appropriate local authorities, or the U.S. State Department, is issued for You to leave a country You are visiting on Your Trip due to: 1) a natural disaster; 2) civil, military or political unrest; or 3) Your being expelled or declared a persona non-grata by a country You are visiting on Your Trip.

Non-Medical Emergency Evacuation Exclusions:
We do not cover: 1) loss or expense recoverable under any other insurance or through an employer; 2) loss or expense arising from or attributable to: a) dishonest 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; 3) 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; 4) loss or expense arising from or due to liability assumed by You under any contract.

Non-Medical Emergency Evacuation Benefits and Services are provided by: One Call Worldwide Travel Services Network, Inc.

Trawick International
Trawick International

73

Safe Travels USA
Trawick International

Non-Medical Evacuation Benefits
$25,000 per person

Quote

Full Policy Wording

Political /Natural Disaster Evacuation Benefit – up to $25,000 maximum for extrication from the Host Country due to an Occurrence which could result in grave physical harm or death. You are covered if an Occurrence takes place while coverage is in effect; and while you are traveling outside of your Home Country or country of residence. Benefits will be paid for:

1. your Transportation and Related Costs to the Nearest Place of Safety, necessary to ensure your safety and well-being as determined by the Designated Security Consultant;

2. your Transportation and Related Costs within 14 days of the Political Evacuation to either to the country in which you are traveling while covered by the Policy; or your Home Country; or

3. consulting services by a Designated Security Consultant for seeking information on a Missing Person or kidnapping cases, if you are kidnapped or are reported as a Missing Person to local or international authorities.

Benefits will not be payable unless We (or Our authorized assistance provider) authorize in writing, or by an authorized electronic or telephonic means, all expenses in advance, and services are rendered by Our assistance provider. Our assistance provider is not responsible for the availability of Transport services. Where a Political Evacuation becomes impractical due to hostile or dangerous conditions, a Designated Security Consultant will endeavor to maintain contact with you until a Political Evacuation occurs. Political Evacuation Benefits are payable only once for any one Occurrence. If, after a Political Evacuation is completed, it becomes evident that you were an active participant in the events that led to the Occurrence, We have the right to recover all Transportation and Related costs from you.

We will not pay Political Evacuation Expense Benefits for expenses and fees:

1. payable under any other provision of the Policy;

2. that are recoverable through your employer;

3. arising from or attributable to an actual fraudulent, dishonest or criminal act committed or attempted by you, acting alone or in collusion with other persons;

4. arising from or attributable to an alleged: a) violation of the laws of country in which you are traveling while covered under the Policy; or b) violation of the laws of your Home County or country of residence;

5. due to your failure to maintain and possess duly authorized and issued required travel documents and visas;

6. for repatriation of remains expenses;

7. for common or endemic or epidemic diseases or global pandemic disease as defined by the World Health Organization;

8. for medical services;

9. for monies payable in the form of a ransom, if a Missing Person case evolves into a kidnapping;

10. arising from or attributable, in whole or in part, to: a) a debt, insolvency, commercial failure, the repossession of any property by any title holder or lien holder or any other financial cause; b) non-compliance by you with regard to any obligation specified in a contract or license;

11. due to military or political issues if your Security Evacuation request is made more than 30 days after the Appropriate Authority(ies) Advisory was issued.

74

Safe Travels International excl US
Trawick International

Non-Medical Evacuation Benefits
$25,000 per person

Quote

Full Policy Wording

Political/Natural Disaster Evacuation Benefit – up to $25,000 maximum for extrication from the Host Country due to an Occurrence which could result in grave physical harm or death. You are covered if an Occurrence takes place while coverage is in effect; and while you are traveling outside of your Home Country or country of residence.

Benefits will be paid for:

1. your Transportation and Related Costs to the Nearest Place of Safety, necessary to ensure your safety and well-being as determined by the Designated Security Consultant;

2. your Transportation and Related Costs within 14 days of the Political Evacuation to either to the country in which you are traveling while covered by the Policy; or your Home Country; or

3. consulting services by a Designated Security Consultant for seeking information on a Missing Person or kidnapping cases, if you are kidnapped or are reported as a Missing Person to local or international authorities.

Benefits will not be payable unless We (or Our authorized assistance provider) authorize in writing, or by an authorized electronic or telephonic means, all expenses in advance, and services are rendered by Our assistance provider. Our assistance provider is not responsible for the availability of Transport services. Where a Political Evacuation becomes impractical due to hostile or dangerous conditions, a Designated Security Consultant will endeavor to maintain contact with you until a Political Evacuation occurs. Political Evacuation Benefits are payable only once for any one Occurrence. If, after a Political Evacuation is completed, it becomes evident that you were an active participant in the events that led to the Occurrence, We have the right to recover all Transportation and Related costs from you.

We will not pay Political Evacuation Expense Benefits for expenses and fees:

1. payable under any other provision of the Policy;

2. that are recoverable through your employer;

3. arising from or attributable to an actual fraudulent, dishonest or criminal act committed or attempted by you, acting alone or in collusion with other persons;

4. arising from or attributable to an alleged: a) violation of the laws of country in which you are traveling while covered under the Policy; or b) violation of the laws of your Home County or country of residence;

5. due to your failure to maintain and possess duly authorized and issued required travel documents and visas;

6. for repatriation of remains expenses;

7. for common or endemic or epidemic diseases or global pandemic disease as defined by the World Health Organization;

8. for medical services;

9. for monies payable in the form of a ransom, if a Missing Person case evolves into a kidnapping;

10. arising from or attributable, in whole or in part, to: a) a debt, insolvency, commercial failure, the repossession of any property by any title holder or lien holder or any other financial cause; b) non-compliance by you with regard to any obligation specified in a contract or license;

11. due to military or political issues if your Security Evacuation request is made more than 30 days after the Appropriate Authority(ies) Advisory was issued.

75

Safe Travels USA Trip Protection
Trawick International

Non-Medical Evacuation Benefits
$25,000 per person

Quote

Full Policy Wording

Political/Natural Disaster Evacuation Benefit – up to $ 25,000 maximum for extrication from the Host Country due to an Occurrence which could result in grave physical harm or death. You are covered if an Occurrence takes place while coverage is in effect; and while you are traveling outside of your Home Country or country of residence.

Benefits will be paid for:

1. your Transportation and Related Costs to the Nearest Place of Safety, necessary to ensure your safety and well-being as determined by the Designated Security Consultant;

2. your Transportation and Related Costs within 14 days of the Political Evacuation to either to the country in which you are traveling while covered by the Policy; or your Home Country; or

3. consulting services by a Designated Security Consultant for seeking information on a Missing Person or kidnapping cases, if you are kidnapped or are reported as a Missing Person to local or international authorities.

Benefits will not be payable unless We (or Our authorized assistance provider) authorize in writing, or by an authorized electronic or telephonic means, all expenses in advance, and services are rendered by Our assistance provider. Our assistance provider is not responsible for the availability of Transport services. Where a Political Evacuation becomes impractical due to hostile or dangerous conditions, a Designated Security Consultant will endeavor to maintain contact with you until a Political Evacuation occurs. Political Evacuation Benefits are payable only once for any one Occurrence. If, after a Political Evacuation is completed, it becomes evident that you were an active participant in the events that led to the Occurrence, We have the right to recover all Transportation and Related costs from you.

We will not pay Political Evacuation Expense Benefits for expenses and fees:

1. payable under any other provision of the Policy;

2. that are recoverable through your employer;

3. arising from or attributable to an actual fraudulent, dishonest or criminal act committed or attempted by you, acting alone or in collusion with other persons;

4. arising from or attributable to an alleged: a) violation of the laws of country in which you are traveling while covered under the Policy; or b) violation of the laws of your Home County or country of residence;

5. due to your failure to maintain and possess duly authorized and issued required travel documents and visas;

6. for repatriation of remains expenses;

7. for common or endemic or epidemic diseases or global pandemic disease as defined by the World Health Organization;

8. for medical services;

9. for monies payable in the form of a ransom, if a Missing Person case evolves into a kidnapping;

10. arising from or attributable, in whole or in part, to: a) a debt, insolvency, commercial failure, the repossession of any property by any title holder or lien holder or any other financial cause; b) non-compliance by you with regard to any obligation specified in a contract or license;

11. due to military or political issues if your Security Evacuation request is made more than 30 days after the Appropriate Authority(ies) Advisory was issued.

76

Safe Travels International Cost Saver excl US
Trawick International

Non-Medical Evacuation Benefits
$25,000 per person

Quote

Full Policy Wording

Political/Natural Disaster Evacuation Benefit -

Up to $25,000 maximum for extrication from the Host Country due to an Occurrence which could result in grave physical harm or death. You are covered if an Occurrence takes place while coverage is in effect; and while you are traveling outside of your Home Country or country of residence. Benefits will be paid for:

1. your Transportation and Related Costs to the Nearest Place of Safety, necessary to ensure your safety and well-being as determined by the Designated Security Consultant;

2. your Transportation and Related Costs within 14 days of the Political Evacuation either to the country in which you are traveling while covered by the Policy, or your Home Country; or

3. consulting services by a Designated Security Consultant for seeking information on a Missing Person or kidnapping case, if you are kidnapped or are reported as a Missing Person to local or international authorities. Benefits will not be payable unless We (or Our authorized assistance provider) authorize in writing, or by an authorized electronic or telephonic means, all expenses in advance, and services are rendered by Our assistance provider. Our assistance provider is not responsible for the availability of Transport services. Where a Political Evacuation becomes impractical due to hostile or dangerous conditions, a Designated Security Consultant will endeavor to maintain contact with you until a Political Evacuation occurs. Political Evacuation Benefits are payable only once for any one Occurrence. If, after a Political Evacuation is completed, it becomes evident that you were an active participant in the events that led to the Occurrence, We have the right to recover all Transportation and Related costs from you. We will not pay Political Evacuation Expense Benefits for expenses and fees: 1. payable under any other provision of the Policy; 2. that are recoverable through your employer; 3. arising from or attributable to an actual fraudulent, dishonest or criminal act committed or attempted by you, acting alone or in collusion with other persons;

4. arising from or attributable to an alleged: a) violation of the laws of the country in which you are traveling while covered under the Policy; or b) violation of the laws of your Home County or country of residence;

5. due to your failure to maintain and possess duly authorized and issued required travel documents and visas;

6. for repatriation of remains expenses;

7. for common or endemic or epidemic diseases or global pandemic disease as defined by the World Health Organization;

8. for medical services;

9. for monies payable in the form of a ransom, if a Missing Person case evolves into a kidnapping;

10. arising from or attributable, in whole or in part, to: a) a debt, insolvency, commercial failure, the repossession of any property by any title holder or lien holder or any other financial cause; or b) non-compliance by you with regard to any obligation specified in a contract or license; or

11. due to military or political issues if your Security Evacuation request is made more than 30 days after the Appropriate Authority(ies) Advisory was issued.

77

Safe Travels USA Cost Saver
Trawick International

Non-Medical Evacuation Benefits
$25,000 per person

Quote

Full Policy Wording

Political/Natural Disaster Evacuation Benefit -

Up to $25,000 maximum for extrication from the Host Country due to an Occurrence which could result in grave physical harm or death. You are covered if an Occurrence takes place while coverage is in effect; and while you are traveling outside of your Home Country or country of residence. Benefits will be paid for:

1. your Transportation and Related Costs to the Nearest Place of Safety, necessary to ensure your safety and well-being as determined by the Designated Security Consultant;

2. your Transportation and Related Costs within 14 days of the Political Evacuation to either to the country in which you are traveling while covered by the Policy; or your Home Country; or

3. consulting services by a Designated Security Consultant for seeking information on a Missing Person or kidnapping cases, if you are kidnapped or are reported as a Missing Person to local or international authorities. Benefits will not be payable unless We (or Our authorized assistance provider) authorize in writing, or by an authorized electronic or telephonic means, all expenses in advance, and services are rendered by Our assistance provider. Our assistance provider is not responsible for the availability of Transport services. Where a Political Evacuation becomes impractical due to hostile or dangerous conditions, a Designated Security Consultant will endeavor to maintain contact with you until a Political Evacuation occurs.

Political Evacuation Benefits are payable only once for any one Occurrence. If, after a Political Evacuation is completed, it becomes evident that you were an active participant in the events that led to the Occurrence, We have the right to recover all Transportation and Related costs from you.

We will not pay Political Evacuation Expense Benefits for expenses and fees:

1. payable under any other provision of the Policy;

2. that are recoverable through your employer;

3. arising from or attributable to an actual fraudulent, dishonest or criminal act committed or attempted by you, acting alone or in collusion with other persons;

4. arising from or attributable to an alleged: a) violation of the laws of country in which you are traveling while covered under the Policy; or b) violation of the laws of your Home County or country of residence;

5. due to your failure to maintain and possess duly authorized and issued required travel documents and visas;

6. for repatriation of remains expenses;

7. for common or endemic or epidemic diseases or global pandemic disease as defined by the World Health Organization;

8. for medical services;

9. for monies payable in the form of a ransom, if a Missing Person case evolves into a kidnapping;

10. arising from or attributable, in whole or in part, to: a) a debt, insolvency, commercial failure, the repossession of any property by any title holder or lien holder or any other financial cause; b) non-compliance by you with regard to any obligation specified in a contract or license;

11. due to military or political issues if your Security Evacuation request is made more than 30 days after the Appropriate Authority(ies) Advisory was issued.

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

78

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

79

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

80

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

81

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

82

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

83

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

84

GlobalTrip Classic
USA-ASSIST Worldwide Protection

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

85

GlobalTrip Saver
USA-ASSIST Worldwide Protection

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

86

GlobalTrip Plus
USA-ASSIST Worldwide Protection

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.

87

GlobalTrip High Medical
USA-ASSIST Worldwide Protection

Non-Medical Evacuation Benefits
No coverage

Quote

Full Policy Wording

There is no Non-Medical Evacuation coverage with this plan.