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

Start a New Search

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

Start a New Search

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

Start a New Search

Full Policy Wording

This plan is not a Renewable Policy.

4

Voyager Essential
GeoBlue

Renewable Policy Benefits
Not renewable

Start a New Search

Full Policy Wording

This plan is not a Renewable Policy.

HCC Medical Insurance Services
HCC Medical Insurance Services

5

Atlas International excl US
HCC Medical Insurance Services

Renewable Policy Benefits
Renewable up to 36 months

Start a New Search

Full Policy Wording

Certificate Period: The period of time beginning on the date and time of the Certificate Effective Date and ending on the date and time of the Certificate Termination Date. The maximum Certificate Period is 365 days for non-U.S. citizens or residents whose travel does not include the U.S. or U.S. Territories. For all other Members, the maximum Certificate Period is 364 days.

IMG
IMG

6

Patriot America
IMG

Renewable Policy Benefits
Renewable up to 24 months

Start a New Search

Full Policy Wording

(21) RENEWAL/AMENDMENT – Subject to the Terms of the Termination of Master Policy and Termination of Coverage for Insured Persons sections, an Insured Person whose initial Period of Coverage is at least thirty (30) days can request coverage under this insurance plan to be extended a minimum of five (5) days for up to a 365 day period until reaching a maximum of twenty four (24) continuous months in accordance with and subject to the Terms of the plan then in effect (including the Terms of the then applicable Master Policy) and so long as extension Premium is paid when due and the Insured Person otherwise continues to meet the applicable eligibility requirements of the plan

7

Patriot International
IMG

Renewable Policy Benefits
Renewable up to 24 months

Start a New Search

Full Policy Wording

(21) RENEWAL/AMENDMENT – Subject to the Terms of the Termination of Master Policy and Termination of Coverage for Insured Persons sections, an Insured Person whose initial Period of Coverage is at least thirty (30) days can request coverage under this insurance plan to be extended a minimum of five (5) days for up to a 365 day period until reaching a maximum of twenty four (24) continuous months in accordance with and subject to the Terms of the plan then in effect (including the Terms of the then applicable Master Policy) and so long as extension Premium is paid when due and the Insured Person otherwise continues to meet the applicable eligibility requirements of the plan The Company’s commitment and the Insured Person’s ability to renew 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 Coverage. The Company reserves the right in its sole discretion to make changes, additions and/or deletions to the Terms of the Master Policy, this Certificate, extensions or replacements of either, and/or to the insurance plan (including the issuance of Riders to effectuate same) at any time or from time to time after the Effective Date of Coverage of this Certificate, upon no less than ninety (90) days prior written notice to the Assured and the Insured Person (“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 Insured Person’s cancellation rights as set forth below, and shall be sent first class mail, postage pre-paid, to the last known residence or mailing address of the Insured Person. Upon issuance of the Notice of Amendment, the Assured and/or the Insured Person shall have the right to request cancellation of this Certificate above, at any time prior to the Change Date; provided, however that cancellation under this section shall be at the option of the Insured Person, and coverage under this insurance shall terminate with effect from the cancellation date specified by the Insured Person (subject to the provisions of the Termination of Coverage for Insured Persons section. If the Insured Person does not elect to cancel this Certificate in accordance with the foregoing, the changes, additions and/or deletions as made by the Company and specified in said Notice of Amendment shall take effect as of the Change Date specified in the Company’s Notice, and this insurance shall thereafter continue in effect in accordance with its Terms, as so amended and modified.

8

Patriot America Plus
IMG

Renewable Policy Benefits
Renewable up to 24 months

Start a New Search

Full Policy Wording

(21) RENEWAL/AMENDMENT – Subject to the Terms of the Termination of Master Policy and Termination of Coverage for Insured Persons sections, an Insured Person whose initial Period of Coverage is at least thirty (30) days can request coverage under this insurance plan to be extended a minimum of five (5) days for up to a 365 day period until reaching a maximum of twenty four (24) continuous months in accordance with and subject to the Terms of the plan then in effect (including the Terms of the then applicable Master Policy) and so long as extension Premium is paid when due and the Insured Person otherwise continues to meet the applicable eligibility requirements of the plan

The Company’s commitment and the Insured Person’s ability to renew 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 Coverage. The Company reserves the right in its sole discretion to make changes, additions and/or deletions to the Terms of the Master Policy, this Certificate, extensions or replacements of either, and/or to the insurance plan (including the issuance of Riders to effectuate same) at any time or from time to time after the Effective Date of Coverage of this Certificate, upon no less than ninety (90) days prior written notice to the Assured and the Insured Person (“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 Insured Person’s cancellation rights as set forth below, and shall be sent first class mail, postage pre-paid, to the last known residence or mailing address of the Insured Person. Upon issuance of the Notice of Amendment, the Assured and/or the Insured Person shall have the right to request cancellation of this Certificate above, at any time prior to the Change Date; provided, however that cancellation under this section shall be at the option of the Insured Person, and coverage under this insurance shall terminate with effect from the cancellation date specified by the Insured Person (subject to the provisions of the Termination of Coverage for Insured Persons section. If the Insured Person does not elect to cancel this Certificate in accordance with the foregoing, the changes, additions and/or deletions as made by the Company and specified in said Notice of Amendment shall take effect as of the Change Date specified in the Company’s Notice, and this insurance shall thereafter continue in effect in accordance with its Terms, as so amended and modified.

Trawick International
Trawick International

9

Safe Travels USA
Trawick International

Renewable Policy Benefits
Renewable up to 24 months

Start a New Search

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 5 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.

10

Safe Travels International excl US
Trawick International

Renewable Policy Benefits
Renewable up to 24 months

Start a New Search

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.

11

Safe Travels International Cost Saver excl US
Trawick International

Renewable Policy Benefits
Renewable up to 24 months

Start a New Search

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.

12

Safe Travels USA Cost Saver
Trawick International

Renewable Policy Benefits
Renewable up to 24 months

Start a New Search

Full Policy Wording

Renewal Procedure-

A renewal notice will be emailed before the Policy Period ends or you can go online to www.trawickinternational.com and renew 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 5 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 month’s 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.

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

13

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

Renewable Policy Benefits
Renewable up to 12 months

Start a New Search

Full Policy Wording

This plan is not a Renewable Policy.

14

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

Renewable Policy Benefits
Renewable up to 12 months

Start a New Search

Full Policy Wording

This plan is not a Renewable Policy.

15

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

Renewable Policy Benefits
Renewable up to 12 months

Start a New Search

Full Policy Wording

This plan is not a Renewable Policy.

16

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

Renewable Policy Benefits
Renewable up to 12 months

Start a New Search

Full Policy Wording

This plan is not a Renewable Policy.

17

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

Renewable Policy Benefits
Renewable up to 12 months

Start a New Search

Full Policy Wording

This plan is not a Renewable Policy.

18

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

Renewable Policy Benefits
Renewable up to 12 months

Start a New Search

Full Policy Wording

This plan is not a Renewable Policy.