The table below shows you at a glance which company provides the most comprehensive coverage for the Rental Car Damage 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 Rental Car Damage for the policies below

Air Ambulance Card
Air Ambulance Card

1

Air Ambulance Card - Standard Annual
Air Ambulance Card

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

2

Air Ambulance Card - Extended Stay 6 Months
Air Ambulance Card

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

3

Air Ambulance Card - Extended Stay 12 Months
Air Ambulance Card

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

APRIL Travel Protection
APRIL Travel Protection

4

Economy Plan
APRIL Travel Protection

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Schedule of Benefits.

If You rent a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, while in Your possession, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

c) The amount shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

d) Provide Us with all documentation such as rental agreement, police report and damage estimate.

5

VIP Plan
APRIL Travel Protection

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Schedule of Benefits.

If You rent a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, while in Your possession, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

c) The amount shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

d) Provide Us with all documentation such as rental agreement, police report and damage estimate.

6

Trip Cancellation Plan
APRIL Travel Protection

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

7

Multi-Trip Plan Universal
APRIL Travel Protection

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

If You rent a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, while in Your possession, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

c) The amount shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

d) Provide Us with all documentation such as rental agreement, police report and damage estimate.

8

Multi-Trip Plan Elite
APRIL Travel Protection

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

If You rent a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, while in Your possession, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

c) The amount shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

d) Provide Us with all documentation such as rental agreement, police report and damage estimate.

9

Choice
APRIL Travel Protection

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Confirmation of Benefits.

If You rent a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, while in Your possession, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

c) The amount shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

d) Provide Us with all documentation such as rental agreement, police report and damage estimate.

The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.

AXA Assistance USA
AXA Assistance USA

10

Silver
AXA Assistance USA

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Confirmation of Benefits.

If You rent a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, while in Your possession, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

c) The amount shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

d) Provide Us with all documentation such as rental agreement, police report and damage estimate.

The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.

11

Gold
AXA Assistance USA

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Confirmation of Benefits.

If You rent a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, while in Your possession, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

c) The amount shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

d) Provide Us with all documentation such as rental agreement, police report and damage estimate.

The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.

12

Platinum
AXA Assistance USA

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Confirmation of Benefits.

If You rent a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, while in Your possession, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

c) The amount shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

d) Provide Us with all documentation such as rental agreement, police report and damage estimate.

The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

13

Beacon America incl US
Azimuth Risk Solutions, LLC

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

14

Beacon International excl US
Azimuth Risk Solutions, LLC

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

15

ExactCare
Berkshire Hathaway Travel Protection

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

CAR RENTAL COLLISION COVERAGE

If an Insured’s rented vehicle is damaged while on a Trip due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Company will pay the lesser of:

(a) the cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired; or

(b) the Actual Cash Value of the vehicle.

The Company will pay this benefit up to the Maximum Limit and subject to the Deductible shown in the Schedule or Declarations Page.

Coverage is provided to the Insured and Traveling Companion, if the Insured and Traveling Companion are licensed drivers and are listed on the rental agreement.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law. This coverage is Primary to other forms of insurance or indemnity.

The Insured must contact Berkshire Hathaway Travel Protection before renting to confirm if the vehicle is covered.

CSA Travel Protection
CSA Travel Protection

16

Custom
CSA Travel Protection

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTAL CAR COVERAGE

This coverage is not available to Texas residents.

If you purchased this optional coverage, and you rent a car while on your Trip and the car is damaged while in your possession due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control, or the car is stolen while in your possession and not recovered, we will pay, up to the amount in the Schedule, the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) the Actual Cash Value of the car.

Coverage is provided to you and your Traveling Companion, provided you and your Traveling Companion are a licensed driver, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

Coverage is not provided for loss to or loss due to:

1. any obligation of you or a Traveling Companion or a Family Member traveling with you assumed under any agreement (except insurance collision deductible).

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off-road, all-terrain, or recreational vehicles.

3. vehicles that are older than 20 years.

4. vehicles that have not been manufactured in the past 10 years.

5. vehicles that are rented for commercial or livery purposes, including but not limited to limousines.

6. vehicles that have a manufacturer’s suggested retail price of more than $75,000.

7. any loss that occurs if you or a Traveling Companion act with the intent to commit a crime or act in violation of the rental agreement.

8. failure to report the loss to the proper local authorities and the rental car company.

9. damage to any other vehicle, structure or person as a result of a covered loss.

Your Duties in the Event of a Loss: You must:

1. take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

2. report the loss to the appropriate local authorities and the rental company as soon as possible;

3. obtain all information on any other party involved in an accident, such as name, address, insurance information and driver’s license number;

4. provide us all documentation such as rental agreement, police report and damage estimate.

GeoBlue
GeoBlue

17

Voyager Choice
GeoBlue

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

18

Voyager Essential
GeoBlue

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

19

Trekker Choice excl US
GeoBlue

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

20

Trekker Essential excl US
GeoBlue

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Global Alert
Global Alert

21

Essentials
Global Alert

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

22

Preferred
Global Alert

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

23

Preferred Plus
Global Alert

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Confirmation of Benefits.

If You rent a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, while in Your possession, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

c) The amount shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

d) Provide Us with all documentation such as rental agreement, police report and damage estimate.

The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.

HCC Medical Insurance Services
HCC Medical Insurance Services

24

Atlas International excl US
HCC Medical Insurance Services

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

HTH Travel Insurance
HTH Travel Insurance

25

TravelGap Voyager excl US
HTH Travel Insurance

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

26

TripProtector Preferred
HTH Travel Insurance

Rental Car Damage Benefits
$35,000 policy limit

Quote

Full Policy Wording

COLLISION DAMAGE WAIVER

If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will reimburse the lesser of:

(a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

(b) The Actual Cash Value of the car; or

c) The Maximum Benefit shown on the Confirmation of Coverage.

Coverage is provided to You, provided You are a licensed driver, and are listed on the rental agreement.

The following duties in the event of Loss apply to Collision Damage Waiver:

1. You must take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

2. You must report the Loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide the Company all documentation such as rental agreement, police report and damage estimate.

27

TravelGap Multi-Trip Silver excl US
HTH Travel Insurance

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

28

TravelGap Multi-Trip Gold excl US
HTH Travel Insurance

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

29

TravelGap Excursion excl US
HTH Travel Insurance

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

30

TripProtector Economy
HTH Travel Insurance

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

31

TripProtector Classic
HTH Travel Insurance

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

iTravelInsured
iTravelInsured

32

Travel Lite
iTravelInsured

Rental Car Damage Benefits
$40,000 policy limit

Quote

Full Policy Wording

RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Declarations Page, if You rent a car while on Your Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control while in Your possession, or the car is stolen while in Your possession and is not recovered.

We will pay the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) the Actual Cash Value of the car; or

c) the amount shown in the Declarations Page.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

Coverage is not provided for loss due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;

3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

“Exotic Vehicles” means Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls-Royce, Rover, Stutz, Sterling, Triumph, and TVR, or any antique or any other car with a Manufacturers Suggested retail Price (MSRP) over $40,000.

Additional claims provisions specific to rental car damage:

The following outlines Your duties in the event of any damage to the vehicle. You must:

a) Take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as possible;

c) Obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;

d) Provide Us all documentation such as rental agreement, police report and damage estimate.

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

33

Travel SE
iTravelInsured

Rental Car Damage Benefits
$40,000 policy limit

Quote

Full Policy Wording

RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Declarations Page, if You rent a car while on Your Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control while in Your possession, or the car is stolen while in Your possession and is not recovered.

We will pay the lesser of:

a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

the Actual Cash Value of the car; or

c. the amount shown in the Declarations Page.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

Coverage is not provided for loss due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;

3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

“Exotic Vehicles” means Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls-Royce, Rover, Stutz, Sterling, Triumph, and TVR, or any antique or any other car with a Manufacturers Suggested retail Price (MSRP) over $40,000.

Additional Claims Provisions Specific to Rental Car Damage:

The following outlines Your duties in the event of any damage to the vehicle. You must:

a. Take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;

Report the loss to the appropriate local authorities and the rental company as soon as possible;

c. Obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;

d. Provide Us all documentation such as rental agreement, police report and damage estimate.

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

34

Travel SE
iTravelInsured

Rental Car Damage Benefits
$40,000 policy limit

Quote

Full Policy Wording

RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Declarations Page, if You rent a car while on Your Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control while in Your possession, or the car is stolen while in Your possession and is not recovered.

We will pay the lesser of:

a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

the Actual Cash Value of the car; or

c. the amount shown in the Declarations Page.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

Coverage is not provided for loss due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;

3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

“Exotic Vehicles” means Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls-Royce, Rover, Stutz, Sterling, Triumph, and TVR, or any antique or any other car with a Manufacturers Suggested retail Price (MSRP) over $40,000.

Additional Claims Provisions Specific to Rental Car Damage:

The following outlines Your duties in the event of any damage to the vehicle. You must:

a. Take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;

Report the loss to the appropriate local authorities and the rental company as soon as possible;

c. Obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;

d. Provide Us all documentation such as rental agreement, police report and damage estimate.

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

35

Travel LX
iTravelInsured

Rental Car Damage Benefits
$40,000 policy limit

Quote

Full Policy Wording

RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Declarations Page, if You rent a car while on Your Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control while in Your possession, or the car is stolen while in Your possession and is not recovered.

We will pay the lesser of:

a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

the Actual Cash Value of the car; or

c. the amount shown in the Declarations Page.

Coverage is provided to You , provided You are a licensed driver and are listed on the rental agreement.

Coverage is not provided for loss due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;

3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

“Exotic Vehicles” means Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls-Royce, Rover, Stutz, Sterling, Triumph, and TVR, or any antique or any other car with a Manufacturers Suggested retail Price (MSRP) over $40,000.

Additional claims provisions specific to rental car damage:

The following outlines Your duties in the event of any damage to the vehicle. You must:

a. Take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;

Report the loss to the appropriate local authorities and the rental company as soon as possible;

c. Obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;

d. Provide Us all documentation such as rental agreement, police report and damage estimate.

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

36

Travel LX
iTravelInsured

Rental Car Damage Benefits
$40,000 policy limit

Quote

Full Policy Wording

RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Declarations Page, if You rent a car while on Your Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control while in Your possession, or the car is stolen while in Your possession and is not recovered.

We will pay the lesser of:

a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

the Actual Cash Value of the car; or

c. the amount shown in the Declarations Page.

Coverage is provided to You , provided You are a licensed driver and are listed on the rental agreement.

Coverage is not provided for loss due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;

3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

“Exotic Vehicles” means Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls-Royce, Rover, Stutz, Sterling, Triumph, and TVR, or any antique or any other car with a Manufacturers Suggested retail Price (MSRP) over $40,000.

Additional claims provisions specific to rental car damage:

The following outlines Your duties in the event of any damage to the vehicle. You must:

a. Take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;

Report the loss to the appropriate local authorities and the rental company as soon as possible;

c. Obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;

d. Provide Us all documentation such as rental agreement, police report and damage estimate.

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

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

37

Bronze
John Hancock Insurance Agency, Inc.

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Confirmation of Benefits.

If You rent a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, while in Your possession, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

c) The amount shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

d) Provide Us with all documentation such as rental agreement, police report and damage estimate.

The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.

38

Silver
John Hancock Insurance Agency, Inc.

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Confirmation of Benefits.

If You rent a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, while in Your possession, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

c) The amount shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

d) Provide Us with all documentation such as rental agreement, police report and damage estimate.

The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.

39

Gold
John Hancock Insurance Agency, Inc.

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Confirmation of Benefits.

If You rent a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, while in Your possession, We will pay the lesser of:

a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

c) The amount shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

You must perform the following duties in the event of loss:

a) Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

d) Provide Us with all documentation such as rental agreement, police report and damage estimate.

The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.

MedjetAssist
MedjetAssist

40

Annual Membership
MedjetAssist

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

41

MedjetAssist Extended Stay
MedjetAssist

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

42

MedjetAssist Short Term Plan
MedjetAssist

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

MH Ross Travel Insurance Services
MH Ross Travel Insurance Services

43

Asset Plus
MH Ross Travel Insurance Services

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONAL RENTAL CAR DAMAGE

If You rent a Rental Car while on Your Trip and while in Your possession the car is: 1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or 2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) the Actual Cash Value of the Rental Car; or

c. the Maximum Benefit Amount shown in the Schedule of Benefits.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

The following exclusions and limitations apply to Rental Car Damage

We do not cover loss arising from or due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off- road vehicles, recreational vehicles or Exotic Vehicles;

3. any loss that occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

The following duties in the event of loss apply to Rental Car Damage:

1. You must take all reasonable, necessary steps to protect the Rental Car and prevent further damage to it;

2. You must report the loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide Us all documentation such as rental agreement, police report and damage estimate.

44

Bridge
MH Ross Travel Insurance Services

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONAL RENTAL CAR DAMAGE

If You rent a Rental Car while on Your Trip and while in Your possession the car is: 1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or 2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) the Actual Cash Value of the Rental Car; or

c. the Maximum Benefit Amount shown in the Schedule of Benefits.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

The following exclusions and limitations apply to Rental Car Damage

We do not cover loss arising from or due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off- road vehicles, recreational vehicles or Exotic Vehicles;

3. any loss that occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

The following duties in the event of loss apply to Rental Car Damage:

1. You must take all reasonable, necessary steps to protect the Rental Car and prevent further damage to it;

2. You must report the loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide Us all documentation such as rental agreement, police report and damage estimate.

45

Complete
MH Ross Travel Insurance Services

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONAL RENTAL CAR DAMAGE

If You rent a Rental Car while on Your Trip and while in Your possession the car is: 1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or 2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) the Actual Cash Value of the Rental Car; or

c. the Maximum Benefit Amount shown in the Schedule of Benefits.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

The following exclusions and limitations apply to Rental Car Damage

We do not cover loss arising from or due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off- road vehicles, recreational vehicles or Exotic Vehicles;

3. any loss that occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

The following duties in the event of loss apply to Rental Car Damage:

1. You must take all reasonable, necessary steps to protect the Rental Car and prevent further damage to it;

2. You must report the loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide Us all documentation such as rental agreement, police report and damage estimate.

46

Asset
MH Ross Travel Insurance Services

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONAL RENTAL CAR DAMAGE

If You rent a Rental Car while on Your Trip and while in Your possession the car is: 1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or 2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) the Actual Cash Value of the Rental Car; or

c. the Maximum Benefit Amount shown in the Schedule of Benefits.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

The following exclusions and limitations apply to Rental Car Damage

We do not cover loss arising from or due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off- road vehicles, recreational vehicles or Exotic Vehicles;

3. any loss that occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

The following duties in the event of loss apply to Rental Car Damage:

1. You must take all reasonable, necessary steps to protect the Rental Car and prevent further damage to it;

2. You must report the loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide Us all documentation such as rental agreement, police report and damage estimate.

RoamRight
RoamRight

47

Essential
RoamRight

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

Not available for residents of Texas.

If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will pay the lesser of:
a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b) The Actual Cash Value of the car, meaning purchase price less depreciation; or
c) The amount shown on Your Confirmation of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

48

Essential
RoamRight

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONAL RENTAL CAR DAMAGE

If You rent a Rental Car while on Your Trip and while in Your possession the car is: 1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or 2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) the Actual Cash Value of the Rental Car; or

c) the Maximum Benefit Amount shown in the Schedule of Benefits.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

The following exclusions and limitations apply to Rental Car Damage

We do not cover loss arising from or due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off-road vehicles, recreational vehicles or Exotic Vehicles;

3. any loss that occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

The following duties in the event of loss apply to Rental Car Damage:

1. You must take all reasonable, necessary steps to protect the Rental Car and prevent further damage to it;

2. You must report the loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide Us all documentation such as rental agreement, police report and damage estimate.

49

Preferred
RoamRight

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

Not available for residents of Texas. If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will pay the lesser of:
a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b) The Actual Cash Value of the car, meaning purchase price less depreciation; or
c) The amount shown on Your Confirmation of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

50

Preferred
RoamRight

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONAL RENTAL CAR DAMAGE

If You rent a Rental Car while on Your Trip and while in Your possession the car is: 1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or 2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) the Actual Cash Value of the Rental Car; or

c) the Maximum Benefit Amount shown in the Schedule of Benefits.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

The following exclusions and limitations apply to Rental Car Damage

We do not cover loss arising from or due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off-road vehicles, recreational vehicles or Exotic Vehicles;

3. any loss that occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

The following duties in the event of loss apply to Rental Car Damage:

1. You must take all reasonable, necessary steps to protect the Rental Car and prevent further damage to it;

2. You must report the loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide Us all documentation such as rental agreement, police report and damage estimate.

51

Elite
RoamRight

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

Not available for residents of Texas.

If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will pay the lesser of:
a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b) The Actual Cash Value of the car, meaning purchase price less depreciation; or
c) The amount shown on Your Confirmation of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

52

Elite
RoamRight

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONAL RENTAL CAR DAMAGE

If You rent a Rental Car while on Your Trip and while in Your possession the car is: 1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or 2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) the Actual Cash Value of the Rental Car; or

c. the Maximum Benefit Amount shown in the Schedule of Benefits.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

The following exclusions and limitations apply to Rental Car Damage

We do not cover loss arising from or due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off-road vehicles, recreational vehicles or Exotic Vehicles;

3. any loss that occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

The following duties in the event of loss apply to Rental Car Damage:

1. You must take all reasonable, necessary steps to protect the Rental Car and prevent further damage to it;

2. You must report the loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide Us all documentation such as rental agreement, police report and damage estimate.

53

Active
RoamRight

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

Not available for residents of Texas.

If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will pay the lesser of:
a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b) The Actual Cash Value of the car, meaning purchase price less depreciation; or
c) The amount shown on Your Confirmation of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

54

Active
RoamRight

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONAL RENTAL CAR DAMAGE

If You rent a Rental Car while on Your Trip and while in Your possession the car is: 1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or 2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b the Actual Cash Value of the Rental Car; or

c. the Maximum Benefit Amount shown in the Schedule of Benefits.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

The following exclusions and limitations apply to Rental Car Damage

We do not cover loss arising from or due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off-road vehicles, recreational vehicles or Exotic Vehicles;

3. any loss that occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

The following duties in the event of loss apply to Rental Car Damage:

1. You must take all reasonable, necessary steps to protect the Rental Car and prevent further damage to it;

2. You must report the loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide Us all documentation such as rental agreement, police report and damage estimate.

55

Adventure
RoamRight

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

Not available for residents of Texas.

If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will pay the lesser of:
a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b) The Actual Cash Value of the car, meaning purchase price less depreciation; or
c) The amount shown on Your Confirmation of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

56

Adventure
RoamRight

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONAL RENTAL CAR DAMAGE

If You rent a Rental Car while on Your Trip and while in Your possession the car is: 1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or 2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the lesser of:

a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

the Actual Cash Value of the Rental Car; or

c. the Maximum Benefit Amount shown in the Schedule of Benefits.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

The following exclusions and limitations apply to Rental Car Damage

We do not cover loss arising from or due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off-road vehicles, recreational vehicles or Exotic Vehicles;

3. any loss that occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

The following duties in the event of loss apply to Rental Car Damage:

1. You must take all reasonable, necessary steps to protect the Rental Car and prevent further damage to it;

2. You must report the loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide Us all documentation such as rental agreement, police report and damage estimate.

57

Multi-Trip
RoamRight

Rental Car Damage Benefits
$50,000 policy limit $250 deductible per policy

Quote

Full Policy Wording

RENTERS COLLISION INSURANCE

Not available for residents of Texas.

If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will pay the lesser of:
a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b) The Actual Cash Value of the car, meaning purchase price less depreciation; or
c) The amount shown on Your Confirmation of Benefits, subject to any deductible.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

58

Multi-Trip Medical excl US
RoamRight

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

59

Medical excl US
RoamRight

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

60

Evacuation
RoamRight

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Seven Corners Inc
Seven Corners Inc

61

RoundTrip
Seven Corners Inc

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONALCOLLISION DAMAGE WAIVER

Note: this benefit is not available if traveling to the following countries: Israel, Jamaica, Republic of Ireland or Northern Ireland.

If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will pay the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) the Actual Cash Value of the car, meaning purchase price less depreciation; or

c) the amount shown on the Confirmation of Coverage.

Coverage is provided to You, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

Coverage is not available to residents of New York, Texas and Oregon.

The following exclusions apply to Collision Damage Waiver:

1. Any obligation You assumes under any agreement (except insurance collision deductible);

2. Rentals of trucks, campers, trailers, off-road or four-wheel drive vehicles, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;

3. Any loss that occurs if You are in violation of the rental agreement;

4. Failure to report the loss to the proper local authorities and the rental car company;

5. Damage to any other vehicle, structure or person as a result of a covered loss.

The following duties in the event of loss apply to Collision Damage Waiver:

1. You must take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

2. You must report the loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide the Company all documentation such as rental agreement, police report and damage estimate.

62

RoundTrip Choice
Seven Corners Inc

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONALCOLLISION DAMAGE WAIVER

Note: this benefit is not available if traveling to the following countries: Israel, Jamaica, Republic of Ireland or Northern Ireland.

If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will pay the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

b) the Actual Cash Value of the car, meaning purchase price less depreciation; or

c) the amount shown on the Confirmation of Coverage.

Coverage is provided to You, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement. Coverage is not available to residents of New York, Oregon and Texas.

The following exclusions apply to Collision Damage Waiver:

1. Any obligation You assumes under any agreement (except insurance collision deductible);

2. Rentals of trucks, campers, trailers, off-road or four-wheel drive vehicles, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;

3. Any loss that occurs if You are in violation of the rental agreement;

4. Failure to report the loss to the proper local authorities and the rental car company;

5. Damage to any other vehicle, structure or person as a result of a covered loss.

The following duties in the event of loss apply to Collision Damage Waiver:

1. You must take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

2. You must report the loss to the appropriate local authorities and the rental company as soon as possible;

3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. You must provide the Company all documentation such as rental agreement, police report and damage estimate.

63

Liaison Continent excl US
Seven Corners Inc

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

64

Liaison Majestic excl US
Seven Corners Inc

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

65

Liaison International excl US
Seven Corners Inc

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

66

RoundTrip Economy
Seven Corners Inc

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONAL RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Schedule of Benefits, if You rent a car while on Your Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control while in Your possession, or the car is stolen while in Your possession and is not recovered.

We will pay the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) the Actual Cash Value of the car; or

c) the amount shown in the Schedule of Benefits.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

Coverage is not provided for loss due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;

3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

“Exotic Vehicles” means Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls-Royce, Rover, Stutz, Sterling, Triumph, and TVR.

ADDITIONAL CLAIMS PROVISIONS SPECIFIC TO RENTAL CAR DAMAGE

The following outlines Your duties in the event of any damage to the vehicle. You must:

a) Take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as possible;

c) Obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;

d) Provide Us all documentation such as rental agreement, police report and damage estimate.

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

67

RoundTrip Elite
Seven Corners Inc

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONAL RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Schedule of Benefits, if You rent a car while on Your Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control while in Your possession, or the car is stolen while in Your possession and is not recovered.

We will pay the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) the Actual Cash Value of the car; or

c) the amount shown in the Schedule of Benefits.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

Coverage is not provided for loss due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;

3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

“Exotic Vehicles” means Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls-Royce, Rover, Stutz, Sterling, Triumph, and TVR.

ADDITIONAL CLAIMS PROVISIONS SPECIFIC TO RENTAL CAR DAMAGE

The following outlines Your duties in the event of any damage to the vehicle. You must:

a) Take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;

b) Report the loss to the appropriate local authorities and the rental company as soon as possible;

c) Obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;

d) Provide Us all documentation such as rental agreement, police report and damage estimate.

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

68

Wander Frequent Traveler excl US
Seven Corners Inc

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Tin Leg
Tin Leg

69

Economy
Tin Leg

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

70

Standard
Tin Leg

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

71

Luxury
Tin Leg

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Travelex Insurance Services
Travelex Insurance Services

72

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

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

73

Flight Insure Package Plan Multi-trip
Travelex Insurance Services

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

74

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

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

75

Flight Insure Plus - Package Plan
Travelex Insurance Services

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

76

Travel Basic
Travelex Insurance Services

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONAL TRANSPORTATION PAK

If you have purchased the Transportation Pak upgrade in addition to your Travelex Passenger Protection Plan, you will receive the Rental Car Damage and Flight Accidental Death and Dismemberment Benefits. One (1) Transportation Pak allowed per plan.

Rental Car Damage Benefits

If you rent a car while on your Covered Trip and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control while in your possession, or the car is stolen while in your possession and not recovered, we will pay you the lesser of: a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or b) the Actual Cash Value of the car, up to the amount shown on the Schedule.

Coverage is provided to you and your Traveling Companion, provided you and your Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

Coverage is not provided for loss due to:

1. Any obligation of you or Travel Companion assume under any agreement (except insurance collision deductible).

2. Rentals of campers, trailers, off-road or motor bikes motorcycles, recreational vehicles or Exotic Vehicles.

3. Any loss which occurs if you or Travel Companion are in violation of the rental agreement.

4. Failure to report the loss to the proper local authorities and the rental car company. 5. Damage to any other vehicle, structure or person as a result of a covered loss.

Your Duties In The Event of a Loss:

1. Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

2. Report the loss to the appropriate local authorities and the rental company as soon as possible;

3. Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. Provide us all documentation such as rental agreement, policy report and damage estimate.

77

Travel Max
Travelex Insurance Services

Rental Car Damage Benefits
$50,000 policy limit

Quote

Full Policy Wording

Rental Car Damage Benefits

If you rent a car while on your Covered Trip and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control while in your possession, or the car is stolen while in your possession and not recovered, we will pay you the lesser of: a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or b) the Actual Cash Value of the car, up to the amount shown on the Schedule.

Coverage is provided to you and your Traveling Companion, provided you and your Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

Coverage is not provided for loss due to:

1. Any obligation of you or Travel Companion assume under any agreement (except insurance collision deductible).

2. Rentals of campers, trailers, off-road or motor bikes motorcycles, recreational vehicles or Exotic Vehicles.

3. Any loss which occurs if you or Travel Companion are in violation of the rental agreement.

4. Failure to report the loss to the proper local authorities and the rental car company.

5. Damage to any other vehicle, structure or person as a result of a covered loss.

Your Duties In The Event of a Loss:

1. Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

2. Report the loss to the appropriate local authorities and the rental company as soon as possible;

3. Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. Provide us all documentation such as rental agreement, policy report and damage estimate.

78

Travel Select
Travelex Insurance Services

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

OPTIONAL TRANSPORTATION PAK

If you have purchased the Transportation Pak upgrade in addition to your Travelex Protection Plan, you will receive the Rental Car Damage Benefits and Flight Accidental Death & Dismemberment Benefits. One (1) Transportation Pak allowed per plan.

Rental Car Damage Benefits

If you rent a car while on your Covered Trip and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control while in your possession, or the car is stolen while in your possession and not recovered, we will pay you the lesser of: a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or b) the Actual Cash Value of the car, up to the amount shown on the Schedule.

Coverage is provided to you and your Traveling Companion, provided you and your Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

Coverage is not provided for loss due to:

1. Any obligation of you or Travel Companion assume under any agreement (except insurance collision deductible).

2. Rentals of campers, trailers, off-road or motor bikes motorcycles, recreational vehicles or Exotic Vehicles.

3. Any loss which occurs if you or Travel Companion are in violation of the rental agreement.

4. Failure to report the loss to the proper local authorities and the rental car company.

5. Damage to any other vehicle, structure or person as a result of a covered loss.

Your Duties In The Event of a Loss:

1. Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

2. Report the loss to the appropriate local authorities and the rental company as soon as possible;

3. Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

4. Provide us all documentation such as rental agreement, policy report and damage estimate.

TravelSafe
TravelSafe

79

Basic
TravelSafe

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTAL CAR DAMAGE

You are eligible for benefits, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, if You rent a car while on Your Trip, and the car is damaged due to: collision; theft; vandalism; windstorm; fire; hail; flood or any cause not in Your control while in Your possession; or the car is stolen while in Your possession and is not recovered.

We will pay the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) the Actual Cash Value of the car; or

c) the amount shown in the Confirmation of Benefits.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

Coverage is not provided for loss due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except an insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;

3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes; or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.
“Exotic Vehicles” means Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls-Royce, Rover, Stutz, Sterling, Triumph, and TVR, or any antique or any other car with a Manufacturers Suggested Retail Price (MSRP) over $40,000.

Additional Claims Provisions Specific To Rental Car Damage

The following outlines Your duties in the event of any damage to the vehicle. You must:

a) take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;

b) report the loss to the appropriate local authorities and the rental company as soon as possible;

c) obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;

d) provide Us all documentation such as rental agreement, police report and damage estimate.

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

80

Classic
TravelSafe

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTAL CAR DAMAGE

You are eligible for benefits, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, if You rent a car while on Your Trip, and the car is damaged due to: collision; theft; vandalism; windstorm; fire; hail; flood or any cause not in Your control while in Your possession; or the car is stolen while in Your possession and is not recovered.

We will pay the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) the Actual Cash Value of the car; or

c) the amount shown in the Confirmation of Benefits.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

Coverage is not provided for loss due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except an insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;

3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes; or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

“Exotic Vehicles” means Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls-Royce, Rover, Stutz, Sterling, Triumph, and TVR, or any antique or any other car with a Manufacturers Suggested Retail Price (MSRP) over $40,000.

Additional Claims Provisions Specific To Rental Car Damage

The following outlines Your duties in the event of any damage to the vehicle. You must:

a) take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;

b) report the loss to the appropriate local authorities and the rental company as soon as possible;

c) obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;

d) provide Us all documentation such as rental agreement, police report and damage estimate.

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

81

Classic Plus
TravelSafe

Rental Car Damage Benefits
Optional coverage

Quote

Full Policy Wording

RENTAL CAR DAMAGE

You are eligible for benefits, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, if You rent a car while on Your Trip, and the car is damaged due to: collision; theft; vandalism; windstorm; fire; hail; flood or any cause not in Your control while in Your possession; or the car is stolen while in Your possession and is not recovered.

We will pay the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired;

b) the Actual Cash Value of the car; or

c) the amount shown in the Confirmation of Benefits.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

Coverage is not provided for loss due to:

1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except an insurance collision deductible);

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;

3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement;

4. failure to report the loss to the proper local authorities and the rental car company;

5. damage to any other vehicle, structure or person as a result of a covered loss;

6. any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes; or transporting contraband;

7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.
“Exotic Vehicles” means Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls-Royce, Rover, Stutz, Sterling, Triumph, and TVR, or any antique or any other car with a Manufacturers Suggested Retail Price (MSRP) over $40,000.

Additional Claims Provisions Specific To Rental Car Damage

The following outlines Your duties in the event of any damage to the vehicle. You must:

a) take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;

b) report the loss to the appropriate local authorities and the rental company as soon as possible;

c) obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;

d) provide Us all documentation such as rental agreement, police report and damage estimate.

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

Trawick International
Trawick International

82

Safe Travels USA
Trawick International

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

83

Safe Travels International excl US
Trawick International

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

84

Safe Travels USA Trip Protection
Trawick International

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

85

Safe Travels International Cost Saver excl US
Trawick International

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

86

Safe Travels USA Cost Saver
Trawick International

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

87

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

88

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

89

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

90

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

91

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

92

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

93

GlobalTrip Classic
USA-ASSIST Worldwide Protection

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

94

GlobalTrip Saver
USA-ASSIST Worldwide Protection

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

95

GlobalTrip Plus
USA-ASSIST Worldwide Protection

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

96

GlobalTrip High Medical
USA-ASSIST Worldwide Protection

Rental Car Damage Benefits
No coverage

Quote

Full Policy Wording

There is no Rental Car Damage coverage with this plan.