Renewable Policy Full Policy Wording

Each policy’s Renewable Policy coverage is detailed below. View the coverage summary here.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

1

Beacon America incl US
Azimuth Risk Solutions, LLC

Renewable Policy Benefits

Renewable up to 24 months

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Full Policy Wording

EXTENSIONS; AMENDMENT

Subject to the Terms in the Master Policy, the coverage under this insurance may be extended if in accordance with and subject to the Terms of this plan then in effect (which would include the Terms of the then applicable Master Policy) and so long as extension fees, and Premium is paid when due and the Participating Member otherwise continues to meet the applicable eligibility requirements of the plan. The Scheme Administrator’s commitment and the Participating Member’s ability to extend is also subject to termination upon thirty (30) days written notice to the other party prior to the expiration date of the then existing Period of Insurance. The Scheme Administrator reserves the right in its sole discretion to make changes, additions and/or deletions to the Terms of the Master Policy, the Evidence of Insurance, extensions or replacements of either, and/or to the Beacon/Axis Group Insurance plan (which would include the issuance of Riders to effectuate same) at any time or from time to time after the Effective Date of Coverage of the Master Policy, upon no less than ninety (90) days prior written notice to Underwriters and the Participating Member (“Notice of Amendment”). The Notice of Amendment shall include a complete description of the changes, additions and/or deletions to be made, the Effective Date thereof (the “Change Date”), and notice of the Participating Member’s cancellation rights as set forth above, and shall be sent first class mail, postage pre-paid, to the last known place of residence or mail- forwarding address of the Participating Member. Upon issuance of the Notice of Amendment, Underwriters and/or the Participating Member shall have the right to request cancellation of the Evidence of Insurance pursuant to the provisions set forth in the Master Policy, at any time prior to the Change Date; provided, however that cancellation shall be at the option of the Participating Member, and coverage under this insurance shall terminate with effect from the cancellation date specified by the Participating Member is subject to the provisions of Section 15, above. If the Participating Member does not elect to cancel the Evidence of Insurance in accordance with the foregoing, the changes, additions and/or deletions as made by the Scheme Administrator and specified in said Notice of Amendment shall take effect as of the Change Date specified in the Scheme Administrator’s Notice, and this insurance shall thereafter continue in effect in accordance with its Terms, as so amended and modified.

2

Beacon International excl US
Azimuth Risk Solutions, LLC

Renewable Policy Benefits

Renewable up to 36 months

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Full Policy Wording

EXTENSIONS; AMENDMENT

Subject to the Terms in the Master Policy, the coverage under this insurance may be extended if in accordance with and subject to the Terms of this plan then in effect (which would include the Terms of the then applicable Master Policy) and so long as extension fees, and Premium is paid when due and the Participating Member otherwise continues to meet the applicable eligibility requirements of the plan. The Scheme Administrator’s commitment and the Participating Member’s ability to extend is also subject to termination upon thirty (30) days written notice to the other party prior to the expiration date of the then existing Period of Insurance. The Scheme Administrator reserves the right in its sole discretion to make changes, additions and/or deletions to the Terms of the Master Policy, the Evidence of Insurance, extensions or replacements of either, and/or to the Beacon/Axis Group Insurance plan (which would include the issuance of Riders to effectuate same) at any time or from time to time after the Effective Date of Coverage of the Master Policy, upon no less than ninety (90) days prior written notice to Underwriters and the Participating Member (“Notice of Amendment”). The Notice of Amendment shall include a complete description of the changes, additions and/or deletions to be made, the Effective Date thereof (the “Change Date”), and notice of the Participating Member’s cancellation rights as set forth above, and shall be sent first class mail, postage pre-paid, to the last known place of residence or mail- forwarding address of the Participating Member. Upon issuance of the Notice of Amendment, Underwriters and/or the Participating Member shall have the right to request cancellation of the Evidence of Insurance pursuant to the provisions set forth in the Master Policy, at any time prior to the Change Date; provided, however that cancellation shall be at the option of the Participating Member, and coverage under this insurance shall terminate with effect from the cancellation date specified by the Participating Member is subject to the provisions of Section 15, above. If the Participating Member does not elect to cancel the Evidence of Insurance in accordance with the foregoing, the changes, additions and/or deletions as made by the Scheme Administrator and specified in said Notice of Amendment shall take effect as of the Change Date specified in the Scheme Administrator’s Notice, and this insurance shall thereafter continue in effect in accordance with its Terms, as so amended and modified.

GeoBlue
GeoBlue

3

Voyager Choice
GeoBlue

Renewable Policy Benefits

Not renewable

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Full Policy Wording

This plan is not a Renewable Policy.

4

Voyager Essential
GeoBlue

Renewable Policy Benefits

Not renewable

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Full Policy Wording

This plan is not a Renewable Policy.

Global Underwriters
Global Underwriters

5

Diplomat America
Global Underwriters

Renewable Policy Benefits

Not renewable

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Full Policy Wording

This plan is not a Renewable Policy.

6

Diplomat International
Global Underwriters

Renewable Policy Benefits

Not renewable

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Full Policy Wording

Renewal – Coverage under this Plan is not renewable. If additional coverage time is needed, a new application must be completed and correct Premium submitted to Global Underwriters Agency. A new Deductible, Coinsurance, and Pre-existing Condition Exclusion will apply at each succeeding or subsequent Period of Coverage.

7

Diplomat LT excl US
Global Underwriters

Renewable Policy Benefits

Not renewable

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Full Policy Wording

Renewal:

Coverage under this Plan is not renewable. If additional coverage time is needed, a new application must be completed and correct Premium submitted to Global Underwriters Agency. A new Deductible, Coinsurance, and Pre-existing Condition Exclusion will apply at each succeeding or subsequent Period of Coverage.

8

Diplomat LT incl US
Global Underwriters

Renewable Policy Benefits

Not renewable

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Full Policy Wording

Renewal:

Coverage under this Plan is not renewable. If additional coverage time is needed, a new application must be completed and correct Premium submitted to Global Underwriters Agency. A new Deductible, Coinsurance, and Pre-existing Condition Exclusion will apply at each succeeding or subsequent Period of Coverage.

INF Visitor Care
INF Visitor Care

9

TravelCare Basic
INF Visitor Care

Renewable Policy Benefits

Renewable up to 12 months

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Full Policy Wording

If you are on a Trip and wish to extend your coverage you may enroll for an additional period subject to a minimum period of one day and an overall maximum period of 12 months.

10

TravelCare Plus
INF Visitor Care

Renewable Policy Benefits

Renewable up to 12 months

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Full Policy Wording

If you are on a Trip and wish to extend your coverage you may enroll for an additional period subject to a minimum period of one day and an overall maximum period of 12 months.

11

Traveler USA
INF Visitor Care

Renewable Policy Benefits

Renewable up to 12 months

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Full Policy Wording

If you are on a Trip and wish to extend your coverage you may enroll for an additional period subject to a minimum period of one day and an overall maximum period of 12 months.

Seven Corners Inc
Seven Corners Inc

12

Liaison Travel Choice excl US
Seven Corners Inc

Renewable Policy Benefits

Renewable up to 364 days

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Full Policy Wording

Extension of Coverage.

Coverage may be continued if the initial Period of Coverage is less than the Maximum Period of Coverage. If You elect to extend Your Trip beyond the initial Period of Coverage, You may extend the applicable Period of Coverage by a minimum of five (5) days and up to three hundred sixty- four (364) days at a time, provided that the total Period of Coverage may not exceed the Maximum Period of Coverage. Upon such extension and receipt of the appropriate Plan premium and applicable fee charged for each extension, the original Certificate’s Expiration Date of Coverage will be extended to the new Expiration Date of Coverage.

13

Liaison Travel Basic excl US
Seven Corners Inc

Renewable Policy Benefits

Renewable up to 364 days

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Full Policy Wording

Extension of Coverage.

Coverage may be continued if the initial Period of Coverage is less than the Maximum Period of Coverage. If You elect to extend Your Trip beyond the initial Period of Coverage, You may extend the applicable Period of Coverage by a minimum of five (5) days and up to three hundred sixtyfour (364) days at a time, provided that the total Period of Coverage may not exceed the Maximum Period of Coverage. Upon such extension and receipt of the appropriate Plan premium and applicable fee charged for each extension, the original Certificate’s Expiration Date of Coverage will be extended to the new Expiration Date of Coverage. For Liaison® Travel Basic and Liaison® Travel Choice Plans, the original Effective Date of Coverage will be used to calculate Your Deductible and Coinsurance; to determine whether maximum coverage amounts as set forth in the Schedule of Benefits have been obtained; and to determine any Pre-Existing Conditions. For Liaison® Travel Elite Plans, a new Deductible and new Coinsurance will apply beginning on the 365th day and again on the 729th day, if applicable, during the Period of Coverage, but the original Effective Date of Coverage (day 1) will continue to be used to determine whether maximum coverage amounts as set forth in the Schedule of Benefits have been obtained and to determine any PreExisting Conditions. Extensions, if offered by the Company, will be subject to the definitions, benefits, and conditions in force at the time of each extension.

Trawick International
Trawick International

14

Safe Travels USA
Trawick International

Renewable Policy Benefits

Renewable up to 24 months

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Full Policy Wording

EXTENSION PROCEDURES

An extension notice will be sent to the Covered Person before the Policy Period ends and includes links to extend prior to the termination date. The Covered Person is subject to the following rules at extension: If it is initially purchased for a minimum of 5 days. If available, additional periods are charged at the premium rate in force at the time of extension. 5 days premium is the minimum acceptable extension premium and 364 days premium is the maximum. There are no grace periods for extension. Once the policy has lapsed, reapplication is required. Please note, upon application for a new policy, the Pre-Existing Condition exclusion, deductible and co-insurance start over.

15

Safe Travels International Cost Saver excl US
Trawick International

Renewable Policy Benefits

Renewable up to 24 months

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Full Policy Wording

RENEWAL PROCEDURES

A renewal notice will be emailed before the Policy Period ends and prior to your termination date. You are subject to the following rules at renewal: Coverage may be renewed if it is initially purchased for a minimum of 45 days. If available, additional periods are charged at the premium rate in force at the time of renewal. The total Policy Period cannot exceed 24 months. Five days premium is the minimum acceptable renewal premium and twelve months premium is the maximum. There are no grace periods for renewals. Once the policy has lapsed, you would need to reapply. Please note: once you reapply for a new policy, the Pre-Existing Condition exclusion, deductible and co-insurance start over. Please contact your agent with questions or to renew.

16

Safe Travels USA Cost Saver
Trawick International

Renewable Policy Benefits

Renewable up to 24 months

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Full Policy Wording

EXTENSION PROCEDURES

An extension notice will be sent to the Covered Person before the Policy Period ends and includes links to extend prior to the termination date. The Covered Person is subject to the following rules at extension: If it is initially purchased for a minimum of 5 days. If available, additional periods are charged at the premium rate in force at the time of extension. 5 days premium is the minimum acceptable extension premium and 364 days premium is the maximum. There are no grace periods for extension. Once the policy has lapsed, reapplication is required. Please note, upon application for a new policy, the Pre-Existing Condition exclusion, deductible and co-insurance start over.

17

Safe Travels USA Comprehensive
Trawick International

Renewable Policy Benefits

Renewable up to 24 months

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Full Policy Wording

EXTENSION PROCEDURES

An extension notice will be sent to the Covered Person before the Policy Period ends and includes links to extend prior to the termination date. The Covered Person is subject to the following rules at extension: If it is initially purchased for a minimum of 5 days. If available, additional periods are charged at the premium rate in force at the time of extension. 5 days premium is the minimum acceptable extension premium and 364 days premium is the maximum. There are no grace periods for extension. Once the policy has lapsed, reapplication is required. Please note, upon application for a new policy, the Pre-Existing Condition exclusion, deductible and co-insurance start over.

18

Safe Travels Explorer
Trawick International

Renewable Policy Benefits

Renewable up to 180 days

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Full Policy Wording

OPTIONAL EXTENDED COVERAGE

If, while traveling on Your Trip, You decide, after departure, to extend such Trip beyond Your Scheduled Return Date, You may obtain an extension of coverage, subject to the Company’s approval, by contacting the Company before Your coverage is scheduled to end. The Company will extend Your coverage under this Policy from Your Scheduled Return Date, as long as:

1) You have not experienced an Accidental Injury or Sickness, or have not had medical treatment during Your Trip;

2) coverage under this Policy is in force at the time You request an extension;

3) You pay any additional required premium for such extension; and

4) Your entire Trip length does not exceed one hundred eighty (180) days.

Failure to make medical information known will render this coverage extension null and void.

In no event will coverage be extended for unscheduled extensions to Your Trip for which premium has not been paid in advance.

19

Safe Travels Journey
Trawick International

Renewable Policy Benefits

Renewable up to 180 days

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Full Policy Wording

OPTIONAL EXTENDED COVERAGE

If, while traveling on Your Trip, You decide, after departure, to extend such Trip beyond Your Scheduled Return Date, You may obtain an extension of coverage, subject to the Company’s approval, by contacting the Company before Your coverage is scheduled to end. The Company will extend Your coverage under this Policy from Your Scheduled Return Date, as long as:

1) You have not experienced an Accidental Injury or Sickness, or have not had medical treatment during Your Trip;
2) coverage under this Policy is in force at the time You request an extension;
3) You pay any additional required premium for such extension; and
4) Your entire Trip length does not exceed one hundred eighty (180) days.

Failure to make medical information known will render this coverage extension null and void.

In no event will coverage be extended for unscheduled extensions to Your Trip for which premium has not been paid in advance.

20

Safe Travels Voyager
Trawick International

Renewable Policy Benefits

Renewable up to 180 days

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Full Policy Wording

OPTIONAL EXTENDED COVERAGE

If, while traveling on Your Trip, You decide, after departure, to extend such Trip beyond Your Scheduled Return Date, You may obtain an extension of coverage, subject to the Company’s approval, by contacting the Company before Your coverage is scheduled to end. The Company will extend Your coverage under this Policy from Your Scheduled Return Date, as long as:

1) You have not experienced an Accidental Injury or Sickness, or have not had medical treatment during Your Trip;

2) coverage under this Policy is in force at the time You request an extension;

3) You pay any additional required premium for such extension; and

4) Your entire Trip length does not exceed one hundred eighty (180) days.

Failure to make medical information known will render this coverage extension null and void.

In no event will coverage be extended for unscheduled extensions to Your Trip for which premium has not been paid in advance.

21

Safe Travels Explorer Plus
Trawick International

Renewable Policy Benefits

Renewable up to 180 days

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Full Policy Wording

OPTIONAL EXTENDED COVERAGE

If, while traveling on Your Trip, You decide, after departure, to extend such Trip beyond Your Scheduled Return Date, You may obtain an extension of coverage, subject to the Company’s approval, by contacting the Company before Your coverage is scheduled to end. The Company will extend Your coverage under this Policy from Your Scheduled Return Date, as long as:

1) You have not experienced an Accidental Injury or Sickness, or have not had medical treatment during Your Trip;

2) coverage under this Policy is in force at the time You request an extension;

3) You pay any additional required premium for such extension; and

4) Your entire Trip length does not exceed one hundred eighty (180) days.

Failure to make medical information known will render this coverage extension null and void.

In no event will coverage be extended for unscheduled extensions to Your Trip for which premium has not been paid in advance.