Sports & Activities Full Policy Wording

Each policy’s Sports & Activities coverage is detailed below. View the coverage summary here.

April Travel Protection
April Travel Protection

1

Trip Cancellation Plan
April Travel Protection

Sports & Activities Benefits

Covered
Limitations apply

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Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

1. We will not pay for any loss under this Policy, caused by, or resulting from:

e. your or your Traveling Companion’s participation as a professional in athletics;

f. your or your Traveling Companion’s participation in organized amateur and interscholastic athletic or sports competition or events;

g. you or your Traveling Companion riding or driving in any motor competition;

h. you or your Traveling Companion operating or learning to operate any aircraft, as pilot or crew;

you or your Traveling Companion mountain climbing, bungee cord jumping, skydiving, parachuting, hang gliding, parasailing, caving, extreme skiing, heli-skiing, skiing outside marked trails, boxing, full contact martial arts, scuba diving below 120 feet (40 meters) or without a dive master, or travel on any air-supported device, other than on a regularly scheduled airline or air charter company;

Arch RoamRight
Arch RoamRight

2

Essential
Arch RoamRight

Sports & Activities Benefits

Covered
Limitations apply

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Full Policy Wording

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

Benefits are not payable for any loss due to, arising or resulting from:

5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

6. participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in skydiving or parachuting, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, any race or speed contests, scuba diving if the depth exceeds 130 feet or if You are not PADI or NAUI certified to dive and a dive master is not present during the dive; spelunking or bodily contact sports;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

3

Preferred
Arch RoamRight

Sports & Activities Benefits

Covered
Limitations apply

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Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

Benefits are not payable for any loss due to, arising or resulting from:

5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

6. participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in skydiving or parachuting, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, any race or speed contests, scuba diving if the depth exceeds 130 feet or if You are not PADI or NAUI certified to dive and a dive master is not present during the dive; spelunking or bodily contact sports;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4

Multi-Trip
Arch RoamRight

Sports & Activities Benefits

Covered
Limitations apply

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Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

Benefits are not payable for any loss due to, arising or resulting from:

4. participating in maneuvers or training exercises of an armed service or police force of any country;

5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

6. participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in skydiving or parachuting, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, any race or speed contests, scuba diving if the depth exceeds 130 feet or if You are not PADI or NAUI certified to dive and a dive master is not present during the dive; spelunking or bodily contact sports;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

AXA Assistance USA
AXA Assistance USA

5

Silver
AXA Assistance USA

Sports & Activities Benefits

Covered
Limitations apply

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Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier(Air Only), Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation, and Repatriation of Remains:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

11. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

6

Gold
AXA Assistance USA

Sports & Activities Benefits

Covered
Limitations apply

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Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier(Air Only), Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation, Non-Medical Emergency Evacuation, Repatriation of Remains and Collision Damage Waiver:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

11. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

7

Platinum
AXA Assistance USA

Sports & Activities Benefits

Covered
Limitations apply

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Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation, Missed Connection, Non-Medical Emergency Evacuation, Repatriation of Remains and Collision Damage Waiver:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

11. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting, Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

8

ExactCare
Berkshire Hathaway Travel Protection

Sports & Activities Benefits

Covered
Limitations apply

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Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motorsport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick‐ axes, anchors, bolts, crampons, carabineers, and lead or top‐rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air‐supported device, other than a regularly scheduled airline or air charter;

9

ExactCare Value
Berkshire Hathaway Travel Protection

Sports & Activities Benefits

Covered
Limitations apply

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Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pickaxes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Cat 70
Cat 70

10

Travel Plan
Cat 70

Sports & Activities Benefits

Covered
Limitations apply

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Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports, skydiving, mountaineering where ropes or guides are normally used, hang gliding, parachuting, any race by horse, motor vehicle or motorcycle, bungee cord jumping, scuba diving, spelunking, caving or rock climbing;

8. Serving as a contractor for the military, participation in any military maneuver or training exercise, police service or military service;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

GeoBlue
GeoBlue

11

Voyager Choice
GeoBlue

Sports & Activities Benefits

Covered
Limitations apply

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Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The Plan does not provide benefits for:

52. Loss arising from

a. participating in any intercollegiate/interscholastic sport, contest or competition;
b. participating in any intramural sport competition, contest or competition;
c. participating in any club sport competition, contest or competition;
d. participating in any professional sport, contest or competition;
e. while participating in any practice or condition program for such sport, contest or competition;
f. Racing or speed contests;
g. sky diving, mountaineering (where ropes or climbing gear are customarily used), ultra-light aircraft, parasailing, sailplaning, hang gliding, bungee cord jumping, spelunking, or extreme skiing.

12

Voyager Essential
GeoBlue

Sports & Activities Benefits

Covered
Limitations apply

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Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The Plan does not provide benefits for:

52. Loss arising from

a. participating in any intercollegiate/interscholastic sport, contest or competition;
b. participating in any intramural sport competition, contest or competition;
c. participating in any club sport competition, contest or competition;
d. participating in any professional sport, contest or competition;
e. while participating in any practice or condition program for such sport, contest or competition;
f. Racing or speed contests;
g. sky diving, mountaineering (where ropes or climbing gear are customarily used), ultra-light aircraft, parasailing, sailplaning, hang gliding, bungee cord jumping, spelunking, or extreme skiing.

13

Trekker Choice excl US
GeoBlue

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The Plan does not provide benefits for:

54. Loss arising from

a. participating in any intercollegiate/interscholastic sport, contest or competition;
b. participating in any intramural sport competition, contest or competition;
c. participating in any club sport competition, contest or competition;
d. participating in any professional sport, contest or competition;
e. while participating in any practice or condition program for such sport, contest or competition;
f. Racing or speed contests;
g. sky diving, mountaineering (where ropes or climbing gear are customarily used), ultra-light aircraft, parasailing, sailplaning, hang gliding, bungee cord jumping, spelunking, or extreme skiing.

14

Trekker Essential excl US
GeoBlue

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The Plan does not provide benefits for:

54. Loss arising from

a. participating in any intercollegiate/interscholastic sport, contest or competition;
b. participating in any intramural sport competition, contest or competition;
c. participating in any club sport competition, contest or competition;
d. participating in any professional sport, contest or competition;
e. while participating in any practice or condition program for such sport, contest or competition;
f. Racing or speed contests;
g. sky diving, mountaineering (where ropes or climbing gear are customarily used), ultra-light aircraft, parasailing, sailplaning, hang gliding, bungee cord jumping, spelunking, or extreme skiing.

Global Underwriters
Global Underwriters

15

Diplomat America
Global Underwriters

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The Plan Document does not cover any loss resulting from any of the following unless otherwise covered under the Plan Document by Additional Benefits:

37) Travel in or upon:

a) A snowmobile;
b) A water jet ski;
c) Any two or three wheeled motor vehicle, other than a motorcycle registered for on-road travel;
d) Any off-road motorized vehicle not requiring licensing as a motor vehicle;

when used for recreation or competition. Unless the Hazardous Activity Benefit is purchased.

38) Injury sustained while taking part in: mountaineering; hang gliding; parachuting; bungee jumping; racing by horse, motor vehicle or motorcycle; snowmobiling; motorcycle/motor scooter riding; scuba diving, involving underwater breathing apparatus, water skiing; snow skiing; spelunking parasailing; white water rafting; surfing, unless part of a school credit course; and snowboarding.

Unless the Hazardous Activity Benefit is purchased.

39) Practice or play in any amateur, club, intramural, interscholastic, intercollegiate, sports contest or competition. Unless Athletic Sports Rider is purchased.

40) Practice or play in any professional or semiprofessional sports contest or competition;

46) Travel or flight in or on any vehicle for aerial navigation, including boarding or alighting from:

a) While riding as a passenger in any Aircraft not intended or licensed for the transportation of passengers; or
b) While being used for any test or experimental purpose; or
c) While piloting, operating, learning to operate or serving as a member of the crew thereof; or
d) while traveling in any such Aircraft or device which is owned or leased by or on behalf of the Policyholder of any subsidiary or affiliate of the Policyholder, or by the Plan Participant or any member of his household.
e) A space craft or any craft designed for navigation above or beyond the earth’s atmosphere; or
f) An ultra light, hang-gliding, parachuting or bungi-cord jumping; Unless the Hazardous Activity Benefit is purchased.

Except as a fare paying passenger on a regularly scheduled commercial airline or as a passenger in a non-scheduled, private aircraft used for business or pleasure purposes.

Athletic Sports & Hazardous Activity Rider (If Benefit is Purchased)

Athletic Sports & Hazardous Activity Rider – provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities.

NOTE: Any Athletic Sport & Hazardous Activity not expressly covered hereunder is excluded from this policy unless the activity is approved by the company prior to purchase or the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.

Table 1: For the below listed Hazardous Activities under this rider, the Medical Expense Benefit is for any Covered Injury or Illness resulting from:

Low Option:

BMX; Bobsledding; Bungee Jumping; Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate (Non-competitive); Motor Scooter; Motorcycling; Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving (Not to exceed 30 feet, Resort Course or equivalent required); Snow Skiing (Recreational); Snowboarding (Recreational); Snowmobiling; Spelunking/Caving; Surfing (Recreational); Trekking (Not exceeding Class IV Difficulty on Yosemite Decimal System); Wakeboarding; Water skiing; Whitewater Rafting (Class I through V rapids); Wind Surfing; Zip Lining.

Middle Option:

Aerial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning (As a pilot); Mountain Climbing (14,000 ft. & below – Ropes & proper safety equipment required); Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing (Ropes & proper safety equipment required); Scuba Diving (Below 30 feet, PADI/NAUI Certification required, or insured must be accompanied by a certified diving instructor); Skydiving; Snow Skiing Off-Piste.

High Option:

Big Game Hunting (Use of Firearms); Diving with Sharks; Mountain Climbing (14,000 ft. & above – Ropes, proper safety equipment & certified guide required); Running with the Bulls; Security Detail (use of firearms).

Table 2: For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports. Under this rider, the Medical Expense Benefit is reduced to $20,000 for any Covered Injury or Illness resulting from:

Low Option:

Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo (Horse); Polo (Water); Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleyball.

Middle Option:

Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing (Slalom, Giant Slalom, Downhill); Ski Jumping; Wrestling.

High Option:

Football (No Division One); Gymnastics; Rugby (No Division One); Soccer.

16

Diplomat International
Global Underwriters

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The Plan Document does not cover any loss resulting from any of the following unless otherwise covered under the Plan Document by Additional Benefits:

37) Travel in or upon

a) A snowmobile;
b) A water jet ski;
c) Any two or three wheeled motor vehicle, other than a motorcycle registered for on-road travel;
d) Any off-road motorized vehicle not requiring licensing as a motor vehicle;

when used for recreation or competition. Unless the Hazardous Activity Benefit is purchased.

38) Injury sustained while taking part in: mountaineering; hang gliding; parachuting; bungee jumping; racing by horse, motor vehicle or motorcycle; snowmobiling; motorcycle/motor scooter riding; scuba diving, involving underwater breathing apparatus, water skiing; snow skiing; spelunking; parasailing; white water rafting; surfing, unless part of a school credit course; and snowboarding.

Unless the Hazardous Activity Benefit is purchased.

39) Practice or play in any amateur, club, intramural, interscholastic, intercollegiate, sports contest or competition. Unless Athletic Sports Rider is purchased.

40) Practice or play in any professional or semiprofessional sports contest or competition;

46) Travel or flight in or on any vehicle for aerial navigation, including boarding or alighting from:

a) While riding as a passenger in any Aircraft not intended or licensed for the transportation of passengers; or

b) While being used for any test or experimental purpose; or

c) While piloting, operating, learning to operate or serving as a member of the crew thereof; or

d) while traveling in any such Aircraft or device which is owned or leased by or on behalf of the Policyholder of any subsidiary or affiliate of the Policyholder, or by the Plan Participant or any member of his household.

e) A space craft or any craft designed for navigation above or beyond the earth’s atmosphere; or

f) An ultra light, hang-gliding, parachuting or bungi-cord jumping; Unless the Hazardous Activity Benefit is purchased.

Except as a fare paying passenger on a regularly scheduled commercial airline or as a passenger in a non-scheduled, private aircraft used for business or pleasure purposes.

Athletic Sports & Hazardous Activity Rider (If Benefit is Purchased)

Athletic Sports & Hazardous Activity Rider – provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities.

NOTE: Any Athletic Sport & Hazardous Activity not expressly covered hereunder is excluded from this policy unless the activity is approved by the company prior to purchase or the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.

Table 1: For the below listed Hazardous Activities under this rider, the Medical Expense Benefit is for any Covered Injury or Illness resulting from:

Low Option:

BMX; Bobsledding; Bungee Jumping; Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate (Non-competitive); Motor Scooter; Motorcycling; Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving (Not to exceed 30 feet, Resort Course or equivalent required); Snow Skiing (Recreational); Snowboarding (Recreational); Snowmobiling; Spelunking/Caving; Surfing (Recreational); Trekking (Not exceeding Class IV Difficulty on Yosemite Decimal System); Wakeboarding; Water skiing; Whitewater Rafting (Class I through V rapids); Wind Surfing; Zip Lining.

Middle Option:

Aerial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning (As a pilot); Mountain Climbing (14,000 ft. & below – Ropes & proper safety equipment required); Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing (Ropes & proper safety equipment required); Scuba Diving (Below 30 feet, PADI/NAUI Certification required, or insured must be accompanied by a certified diving instructor); Skydiving; Snow Skiing Off-Piste.

High Option:

Big Game Hunting (Use of Firearms); Diving with Sharks; Mountain Climbing (14,000 ft. & above – Ropes, proper safety equipment & certified guide required); Running with the Bulls; Security Detail (use of firearms).

Table 2: For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports. Under this rider, the Medical Expense Benefit is reduced to $20,000 for any Covered Injury or Illness resulting from:

Low Option: Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo (Horse); Polo (Water); Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleyball.

Middle Option: Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing (Slalom, Giant Slalom, Downhill); Ski Jumping; Wrestling.

High Option: Football (No Division One); Gymnastics; Rugby (No Division One); Soccer.

17

Diplomat LT excl US
Global Underwriters

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The Plan Document does not cover any loss resulting from any of the following unless otherwise covered under the Plan Document by Additional Benefits:

37) Travel in or upon:

a) A snowmobile;

b) A water jet ski;

c) Any two or three wheeled motor vehicle, other than a motorcycle registered for on-road travel;

d) Any off-road motorized vehicle not requiring licensing as a motor vehicle;

when used for recreation or competition. Unless the Hazardous Activity Benefit is purchased.

38) Injury sustained while taking part in: mountaineering; hang gliding; parachuting; bungee jumping; racing by horse, motor vehicle or motorcycle; snowmobiling; motorcycle/motor scooter riding; scuba diving, involving underwater breathing apparatus, water skiing; snow skiing; spelunking parasailing; white water rafting; surfing, unless part of a school credit course; and snowboarding.

Unless the Hazardous Activity Benefit is purchased.

39) Practice or play in any amateur, club, intramural, interscholastic, intercollegiate, sports contest or competition. Unless Athletic Sports Rider is purchased.

40) Practice or play in any professional or semiprofessional sports contest or competition;

46) Travel or flight in or on any vehicle for aerial navigation, including boarding or alighting from:

a) While riding as a passenger in any Aircraft not intended or licensed for the transportation of passengers; or

b) While being used for any test or experimental purpose; or

c) While piloting, operating, learning to operate or serving as a member of the crew thereof; or

d) while traveling in any such Aircraft or device which is owned or leased by or on behalf of the Policyholder of any subsidiary or affiliate of the Policyholder, or by the Plan Participant or any member of his household.

e) A space craft or any craft designed for navigation above or beyond the earth’s atmosphere; or

f) An ultra light, hang-gliding, parachuting or bungi-cord jumping; Unless the Hazardous Activity Benefit is purchased.

Except as a fare paying passenger on a regularly scheduled commercial airline or as a passenger in a non-scheduled, private aircraft used for business or pleasure purposes.

Athletic Sports & Hazardous Activity Rider (If Benefit is Purchased):

Athletic Sports & Hazardous Activity Rider – provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities.

NOTE: Any Athletic Sport & Hazardous Activity not expressly covered hereunder is excluded from this policy unless the activity is approved by the company prior to purchase or the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.

Table 1: For the below listed Hazardous Activities under this rider, the Medical Expense Benefit is for any Covered Injury or Illness resulting from:

Low Option:

BMX; Bobsledding; Bungee Jumping; Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate (Non-competitive); Motor Scooter; Motorcycling; Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving (Not to exceed 30 feet, Resort Course or equivalent required); Snow Skiing (Recreational); Snowboarding (Recreational); Snowmobiling; Spelunking/Caving; Surfing (Recreational); Trekking (Not exceeding Class IV Difficulty on Yosemite Decimal System); Wakeboarding; Water skiing; Whitewater Rafting (Class I through V rapids); Wind Surfing; Zip Lining.

Middle Option: Aerial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning (As a pilot); Mountain Climbing (14,000 ft. & below – Ropes & proper safety equipment required); Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing (Ropes & proper safety equipment required); Scuba Diving (Below 30 feet, PADI/NAUI Certification required, or insured must be accompanied by a certified diving instructor); Skydiving; Snow Skiing Off-Piste.

High Option: Big Game Hunting (Use of Firearms); Diving with Sharks; Mountain Climbing (14,000 ft. & above – Ropes, proper safety equipment & certified guide required); Running with the Bulls; Security Detail (use of firearms).

Table 2: For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports. Under this rider, the Medical Expense Benefit is reduced to $20,000 for any Covered Injury or Illness resulting from:

Low Option:

Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo (Horse); Polo (Water); Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleyball.

Middle Option:

Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing (Slalom, Giant Slalom, Downhill); Ski Jumping; Wrestling.

High Option:

Football (No Division One); Gymnastics; Rugby (No Division One); Soccer.

18

Diplomat LT incl US
Global Underwriters

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The Plan Document does not cover any loss resulting from any of the following unless otherwise covered under the Plan Document by Additional Benefits:

37) Travel in or upon:

a) A snowmobile;

b) A water jet ski;

c) Any two or three wheeled motor vehicle, other than a motorcycle registered for on-road travel;

d) Any off-road motorized vehicle not requiring licensing as a motor vehicle;

when used for recreation or competition. Unless the Hazardous Activity Benefit is purchased.

38) Injury sustained while taking part in: mountaineering; hang gliding; parachuting; bungee jumping; racing by horse, motor vehicle or motorcycle; snowmobiling; motorcycle/motor scooter riding; scuba diving, involving underwater breathing apparatus, water skiing; snow skiing; spelunking parasailing; white water rafting; surfing, unless part of a school credit course; and snowboarding.

Unless the Hazardous Activity Benefit is purchased.

39) Practice or play in any amateur, club, intramural, interscholastic, intercollegiate, sports contest or competition. Unless Athletic Sports Rider is purchased.

40) Practice or play in any professional or semiprofessional sports contest or competition;

46) Travel or flight in or on any vehicle for aerial navigation, including boarding or alighting from:

a) While riding as a passenger in any Aircraft not intended or licensed for the transportation of passengers; or

b) While being used for any test or experimental purpose; or

c) While piloting, operating, learning to operate or serving as a member of the crew thereof; or

d) while traveling in any such Aircraft or device which is owned or leased by or on behalf of the Policyholder of any subsidiary or affiliate of the Policyholder, or by the Plan Participant or any member of his household.

e) A space craft or any craft designed for navigation above or beyond the earth’s atmosphere; or

f) An ultra light, hang-gliding, parachuting or bungi-cord jumping; Unless the Hazardous Activity Benefit is purchased.

Except as a fare paying passenger on a regularly scheduled commercial airline or as a passenger in a non-scheduled, private aircraft used for business or pleasure purposes.

Athletic Sports & Hazardous Activity Rider (If Benefit is Purchased):

Athletic Sports & Hazardous Activity Rider – provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities.

NOTE: Any Athletic Sport & Hazardous Activity not expressly covered hereunder is excluded from this policy unless the activity is approved by the company prior to purchase or the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.

Table 1: For the below listed Hazardous Activities under this rider, the Medical Expense Benefit is for any Covered Injury or Illness resulting from:

Low Option:

BMX; Bobsledding; Bungee Jumping; Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate (Non-competitive); Motor Scooter; Motorcycling; Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving (Not to exceed 30 feet, Resort Course or equivalent required); Snow Skiing (Recreational); Snowboarding (Recreational); Snowmobiling; Spelunking/Caving; Surfing (Recreational); Trekking (Not exceeding Class IV Difficulty on Yosemite Decimal System); Wakeboarding; Water skiing; Whitewater Rafting (Class I through V rapids); Wind Surfing; Zip Lining.

Middle Option: Aerial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning (As a pilot); Mountain Climbing (14,000 ft. & below – Ropes & proper safety equipment required); Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing (Ropes & proper safety equipment required); Scuba Diving (Below 30 feet, PADI/NAUI Certification required, or insured must be accompanied by a certified diving instructor); Skydiving; Snow Skiing Off-Piste.

High Option: Big Game Hunting (Use of Firearms); Diving with Sharks; Mountain Climbing (14,000 ft. & above – Ropes, proper safety equipment & certified guide required); Running with the Bulls; Security Detail (use of firearms).

Table 2: For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports. Under this rider, the Medical Expense Benefit is reduced to $20,000 for any Covered Injury or Illness resulting from:

Low Option:

Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo (Horse); Polo (Water); Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleyball.

Middle Option:

Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing (Slalom, Giant Slalom, Downhill); Ski Jumping; Wrestling.

High Option:

Football (No Division One); Gymnastics; Rugby (No Division One); Soccer.

HTH Travel Insurance
HTH Travel Insurance

19

TravelGap Voyager excl US
HTH Travel Insurance

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Accidental Death & Dismemberment, Accident Medical Expense, Sickness Medical Expense, Emergency Evacuation, Repatriation of Remains and Trip Interruption:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

7. participation as a professional in athletics;

10. participating in Bodily Contact Sports; skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races); spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

20

TripProtector Preferred
HTH Travel Insurance

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Evacuation, Missed Connection, Accident Medical Expense, Sickness Medical Expense, Trip Cancellation, Trip Interruption, Repatriation of Remains and Trip Delay:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

11. Extreme Sports.

21

TravelGap Excursion excl US
HTH Travel Insurance

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Accidental Death & Dismemberment, Accident Medical Expense, Sickness Medical Expense, Emergency Evacuation, Repatriation of Remains and Trip Interruption:

Loss caused by or resulting from:

5. piloting or learning to pilot or acting as a member of the crew of any aircraft;

6. participation as a professional in athletics;

9. participating in Bodily Contact Sports; skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races); spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

22

TripProtector Economy
HTH Travel Insurance

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Evacuation, Repatriation of Remains, Missed Connection, Accident Medical Expense, Sickness Medical Expense, Trip Cancellation, Trip Interruption and Trip Delay:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

11. participating in Bodily Contact Sports; skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races); scuba diving, unless accompanied by a dive master and if the depth exceeds thirty (30) feet; spelunking or caving; heliskiing; extreme skiing; Extreme Sports.

23

TripProtector Classic
HTH Travel Insurance

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Missed Connection, Emergency Evacuation, Repatriation of Remains, Accident Medical Expense, Sickness Medical Expense, Trip Cancellation, Trip Interruption and Trip Delay:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

11. participating in Bodily Contact Sports; skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races); scuba diving, unless accompanied by a dive master and if the depth exceeds thirty (30) feet; spelunking or caving; heliskiing; extreme skiing; Extreme
Sports.

INF Visitor Care
INF Visitor Care

24

TravelCare Basic
INF Visitor Care

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

We will not pay benefits for any loss or Injury that is caused by or results from:

• piloting or serving as a crew member in any aircraft (unless otherwise provided in the Policy)

• riding in any aircraft except as a fare-paying passenger on a regularly scheduled or charter airline

In addition, We will not pay Medical Expense Benefits for any loss, treatment, or services resulting from:

• Injury sustained while participating in club, intramural, intercollegiate, interscholastic, professional or semiprofessional sports.

25

TravelCare Plus
INF Visitor Care

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

We will not pay benefits for any loss or Injury that is caused by or results from:

- piloting or serving as a crew member in any aircraft (unless otherwise provided in the Policy).

- riding in any aircraft except as a fare-paying passenger on a regularly scheduled or charter airline

In addition, We will not pay Medical Expense Benefits for any loss, treatment, or services resulting from:

- Injury sustained while participating in club, intramural, intercollegiate, interscholastic, professional or semiprofessional sports.

26

Traveler USA
INF Visitor Care

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

We will not pay benefits for any loss or Injury that is caused by or results from:

- piloting or serving as a crew member in any aircraft (unless otherwise provided in the Policy).

- riding in any aircraft except as a fare-paying passenger on a regularly scheduled or charter airline

In addition, We will not pay Medical Expense Benefits for any loss, treatment, or services resulting from:

- Injury sustained while participating in club, intramural, intercollegiate, interscholastic, professional or semiprofessional sports.

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

27

Bronze
John Hancock Insurance Agency, Inc.

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

In addition to the exclusions in the Policy, the following exclusions apply to Accidental Death and Dismemberment -Air Only coverage and Frequent Travel Loyalty coverage:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

28

Silver
John Hancock Insurance Agency, Inc.

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

In addition to the exclusions in the Policy, the following exclusions apply to Accidental Death and Dismemberment -Air Only coverage:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

29

Gold
John Hancock Insurance Agency, Inc.

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident
and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

In addition to the exclusions in the Policy, the following exclusions apply to Accidental Death and Dismemberment -Air Only and Frequent Travel Loyalty coverage:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

MedjetAssist
MedjetAssist

30

Annual Membership
MedjetAssist

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. This policy does not outline specific covered sports or activities in the certificate. We have confirmed that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip.

Please call us to review limitations and exclusions that may apply to your trip and activities.

31

MedjetAssist Extended Stay
MedjetAssist

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. This policy does not outline specific covered sports or activities in the certificate. We have confirmed that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip.

Please call us to review limitations and exclusions that may apply to your trip and activities.

32

MedjetAssist Short Term Plan
MedjetAssist

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. This policy does not outline specific covered sports or activities in the certificate. We have confirmed that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip.

Please call us to review limitations and exclusions that may apply to your trip and activities.

Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company

33

Essential
Nationwide Mutual Insurance Company

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Accidental Death & Dismemberment, Flight Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation, Repatriation of Remains and Collision Damage Waiver:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

9. participation in underwater activities (does not include recreational swimming);

12. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

34

Prime
Nationwide Mutual Insurance Company

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Itinerary Change, Accidental Death & Dismemberment, Flight Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation, Repatriation of Remains, Trip Cancellation For Any Reason and Collision Damage Waiver:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

9. participation in underwater activities (does not include recreational swimming);

12. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

35

Cruise Universal
Nationwide Mutual Insurance Company

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Itinerary Change, Itinerary Inconvenience, Itinerary Pre-Paid Excursion, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

11. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any motorized race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep-sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

36

Cruise Choice
Nationwide Mutual Insurance Company

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Itinerary Change, Itinerary Inconvenience, Itinerary Pre-Paid Excursion, Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

11. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any motorized race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep-sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

37

Cruise Luxury
Nationwide Mutual Insurance Company

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Itinerary Change, Itinerary Inconvenience, Itinerary Pre-Paid Excursion, Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

11. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any motorized race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep-sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

Seven Corners Inc
Seven Corners Inc

38

RoundTrip Choice
Seven Corners Inc

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

Benefits are not payable for any loss due to, arising or resulting from:

4. riding or driving in races, or speed or endurance competitions or events;

5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

6. participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in skydiving or parachuting, parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heliskiing mountaineering, any race, speed contests not including any of the regatta races, spelunking or caving, hot air ballooning, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

39

RoundTrip Economy
Seven Corners Inc

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

Benefits are not payable for any loss due to, arising or resulting from:

4. riding or driving in races, or speed or endurance competitions or events;

5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

6. participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in skydiving or parachuting, parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heliskiing, mountaineering, any race, speed contests not including any of the regatta races, spelunking or caving, hot air ballooning, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

40

RoundTrip Elite
Seven Corners Inc

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

Benefits are not payable for any loss due to, arising or resulting from:

4. riding or driving in races, or speed or endurance competitions or events;

5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

6. participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in skydiving or parachuting, parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heliskiing mountaineering, any race, speed contests not including any of the regatta races, spelunking or caving, hot air ballooning, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

41

Wander Frequent Traveler excl US
Seven Corners Inc

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

Personal Liability Exclusions. You shall have no benefits or coverages for and the Company shall have no liability or obligation of any kind to pay or reimburse You or any third person or Relative for, any changes, fees (including attorneys’ fees), costs, Expenses, damages, losses, judgments, claims or other liabilities incurred or sustained by or assessed against You or any third person or Relative, if directly or indirectly relating to, arising from or in connection with any of the following acts, omissions, events, conditions, charges, consequences, occurrences or circumstances, all of which are expressly excluded from coverage under this Insurance and all of which the Company will provide no benefits or coverages for and shall have no liability or obligation for same, and the Company will not pay or reimburse You or any third person or Relative for any claims of any kind arising directly or indirectly from, happening through or as a consequence of:

a) Any damages, losses or claims caused in whole or in part by You during any hunt or as a result of hunting;

c) Any loss, damage, or claim arising or resulting from the use of any firearms, fireworks, explosives, welding equipment, propane tanks, or other flammables, deadly weapons, or hazardous implements;

f) Ownership, possession, control, or use of any automobile, motorcycle, ATV, off-road vehicle, watercraft, aircraft, parachute, parasail, glider, or any other motorized, gravity-induced, or self propelled vehicle or craft of any kind;

v) During the practice or participation of sports, recreational endeavors, or Athletics either as a professional, amateur or novice, unless performed solely for recreational purposes or during high school activities;

w) Hazardous Activities;

x) Occurring when You are a passenger in an aircraft other than a commercial aircraft;

Unless otherwise specifically provided for therein, the coverage provided by the Certificate under Sections 3.2 through 3.4, 3.7, 4.1 through 4.3, 5.1 through 5.6, 5.8, 6.2, 6.3, 6.6, 6.7 and 7.1 excludes Expenses that are for, resulting from, related to, or incurred for the following:

aa) Hazardous Activities unless You purchase optional Hazardous Activities coverage, and then only for the activities covered under that option under Section 7.1;

bb) Injuries sustained while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities;

mm) Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft;

nn) Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (ii) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;

oo) Flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing, or any experimental purpose;

pp) Participating in contests of speed or riding or driving in any type of competition;

Hazardous Activities:

The definition of “Hazardous Activities” set forth in Section 9 does not apply to this Section 7.1. If You elect and pay the required premium for this optional Insurance, the Company will reimburse You for Covered Expenses up to the amount set forth in the Schedule of Benefits resulting from an Injury sustained while participating in bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; Parachuting; parasailing; scuba diving only to a depth of ten (10) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if You wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where You are located in the Host Country.

Except as otherwise specifically set forth and enumerated in this Section 7.1, the exclusions set forth in Section 8 apply to coverage provided by the Certificate under this Section 7.1.

Definitions:

Athletics: Sports, games, or exercises of any kind engaged in by athletes. It includes numerous types of professional, amateur, and interscholastic sports, games, or exercises including, for example, track and field, soccer, American football, baseball, basketball, softball, lacrosse, weightlifting, skiing, bowling, tennis, wrestling, and rugby. Further, it includes all activities sanctioned or sponsored by the International Olympic Committee, the National Collegiate Athletic Association or similar organization, or professional sports organizations.

Hazardous Activities: Abseiling; American football; aviation except when travelling solely as a passenger in a commercial aircraft; BMX; BASE jumping; bobsledding; boxing; bungee jumping; canyoning; caving; fighting sports; free diving; hang gliding; heli-skiing; high diving; hot air ballooning; hunting; inline skating; jet skiing; kayaking; kiteboarding; luge; martial arts; motocross (MOTO-X); motorcycle or motor scooter riding whether as a passenger or a driver; mountain biking; Mountaineering; offshore boating; Parachuting; paragliding; parasailing; parascending; polo; racing of any kind whether by any animal, motor vehicle, motorcycle, or otherwise; rappelling; rock climbing; rodeo activity; scuba diving; ski jumping; sky diving; snow skiing and snowboarding except for recreational downhill and/or cross country snow skiing or snowboarding provided that such is not in any violation of applicable laws, rules, or regulations or away from prepared and marked in-bound territories or against the advice of the local ski school or local authoritative body; snowmobiling; spelunking; surfing; trekking; wakeboard riding; water skiing; whitewater rafting; wildlife safaris; windsurfing; zip lining; any attempt to make or set sporting records; other adventures sports or activities; and any other sport or athletic activity that exposes You to abnormal or extreme risk of Injury. This includes practice or training in preparation for any excluded activity; participating in any sporting, recreational, or adventure activity where such activity is undertaken against the advice or direction of any local authority or any qualified instructor or contrary to the rules, recommendations, and procedures of a recognized governing body for the sport or activity; or participating in any activity where such activity is undertaken in disregard of or against the recommendations, Treatment programs, or medical advice of a Physician or other health care provider.

Mountaineering: Sport, hobby or profession of walking, hiking, and climbing up mountains either (i) utilizing harnesses, ropes, crampons, or ice axes or (ii) ascending 4,500 meters or above

Parachuting: Activity involving the breaking of a free fall from an airplane using a parachute.

42

Liaison Travel Choice excl US
Seven Corners Inc

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

Personal Liability Exclusions:

You shall have no benefits or coverages for and the Company shall have no liability or obligation of any kind to pay or reimburse You or any third person or Relative for, any changes, fees (including attorneys’ fees), costs, expenses, damages, losses, judgments, claims or other liabilities incurred or sustained by or assessed against You or any third person or Relative, if directly or indirectly relating to, arising from or in connection with any of the following acts, omissions, events, conditions, charges, consequences, occurrences or circumstances, all of which are expressly excluded from coverage under this Insurance and all of which the Company will provide no benefits or coverages for and shall have no liability or obligation for same, and the Company will not pay or reimburse You or any third person or Relative for any claims of any kind arising directly or indirectly from, happening through or as a consequence of:

a) Any damages, losses or claims caused in whole or in part by You during any hunt or as a result of hunting;

c) Any loss, damage, or claim arising or resulting from the use of any firearms, fireworks, explosives, welding equipment, propane tanks, or other flammables, deadly weapons, or hazardous implements;

f) Ownership, possession, control, or use of any automobile, motorcycle, ATV, off-road vehicle, watercraft, aircraft, parachute, parasail, glider, or any other motorized, gravity-induced, or self- propelled vehicle or craft of any kind;

u) Your participation in any fights, brawls, criminal activity, or other unlawful activity;

v) During the practice or participation of sports, recreational endeavors, or Athletics either as a professional, amateur or novice, unless performed solely for recreational purposes or during high
school activities;

w) Hazardous Activities;

x) Occurring when You are a passenger in an aircraft other than a commercial aircraft;

Exclusions:
Unless otherwise specifically provided for therein, the coverage provided by the Certificate under Sections 3.2 through 3.5, 3.8, 3.9, 4.1 through 4.3, 5.1 through 5.6, 5.8, 6.2, 6.3, 6.5, 6.6 and 7.1 excludes Expenses that are for, resulting from, related to, or incurred for the following:

aa) Hazardous Activities unless You purchase optional Hazardous Activities coverage and then only for the activities covered under that option under Section 7.1;

bb) Injuries sustain while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities;

mm) Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft;

nn) Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (i) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;

oo) Flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket- propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing, or any experimental purpose;

pp) Participating in contests of speed or riding or driving in any type of competition;

Hazardous Activities

The definition of “Hazardous Activities” set forth in Section 9 does not apply to this Section 7.1. If You elect and pay the required premium for this optional Insurance, the Company will reimburse You for Covered Expenses up to the amount set forth in the Schedule of Benefits resulting from an Injury sustained while participating in bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; Parachuting; parasailing; scuba diving only to a depth of ten (10) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where You are located in the Host Country.

Definitions:

Athletics: Sports, games, or exercises of any kind engaged in by athletes. It includes numerous types of professional, amateur, and interscholastic sports, games, or exercises including, for example, track and field, soccer, American football, baseball, basketball, softball, lacrosse, weight lifting, skiing, bowling, tennis, wrestling, and rugby. Further, it includes all activities sanctioned or sponsored by the International Olympic Committee, the National Collegiate Athletic Association or similar organization, or professional sports organizations.

Hazardous Activities: Abseiling; American football; aviation except when travelling solely as a passenger in a commercial aircraft; BMX; BASE jumping; bobsledding; boxing; bungee jumping; canyoning; caving; fighting sports; free diving; hang gliding; heli-skiing; high diving; hot air ballooning; hunting; inline skating; jet skiing; kayaking; kiteboarding; luge; martial arts; motocross (MOTO-X); motorcycle or motor scooter riding whether as a passenger or a driver; mountain biking; Mountaineering; offshore boating; Parachuting; paragliding; parasailing; parascending;
polo; racing of any kind whether by any animal, motor vehicle, motorcycle, or otherwise; rappelling; rock climbing; rodeo activity; scuba diving; ski jumping; sky diving; snow skiing and snowboarding except for recreational downhill and/or cross country snow skiing or snowboarding provided that such is not in any violation of applicable laws, rules, or regulations or away from prepared and marked in-bound territories or against the advice of the local ski school or local authoritative body; snowmobiling; spelunking; surfing; trekking; wakeboard riding; water skiing; whitewater rafting; wildlife safaris; windsurfing; zip lining; any attempt to make or set sporting records; other adventures sports or activities; and any other sport or athletic activity that exposes You to abnormal or extreme risk of Injury. This includes practice or training in preparation for any excluded activity; participating in any sporting, recreational, or adventure activity where such activity is undertaken against the advice or direction of any local authority or any qualified instructor or contrary to the rules, recommendations, and procedures of a recognized governing body for the sport or activity; or participating in any activity where such activity is undertaken in disregard of or against the recommendations, Treatment programs, or medical advice of a Physician or other health care provider.

Mountaineering: Sport, hobby or profession of walking, hiking, and climbing up mountains either (i) utilizing harnesses, ropes, crampons, or ice axes; or (ii) ascending 4,500 meters or above.

Parachuting: Activity involving the breaking of a free fall from an airplane using a parachute.

43

Liaison Travel Basic excl US
Seven Corners Inc

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

Personal Liability Exclusions.

You shall have no benefits or coverages for and the Company shall have no liability or obligation of any kind to pay or reimburse You or any third person or Relative for, any changes, fees (including attorneys’ fees), costs, expenses, damages, losses, judgments, claims or other liabilities incurred or sustained by or assessed against You or any third person or Relative, if directly or indirectly relating to, arising from or in connection with any of the following acts, omissions, events, conditions, charges, consequences, occurrences or circumstances, all of which are expressly excluded from coverage under this Insurance and all of which the Company will provide no benefits or coverages for and shall have no liability or obligation for same, and the Company will not pay or reimburse You or any third person or Relative for any claims of any kind arising directly or indirectly from, happening through or as a consequence of:

a) Any damages, losses or claims caused in whole or in part by You during any hunt or as a result of hunting;

c) Any loss, damage, or claim arising or resulting from the use of any firearms, fireworks, explosives, welding equipment, propane tanks, or other flammables, deadly weapons, or hazardous implements;

f) Ownership, possession, control, or use of any automobile, motorcycle, ATV, off-road vehicle, watercraft, aircraft, parachute, parasail, glider, or any other motorized, gravity-induced, or self propelled vehicle or craft of any kind;

v) During the practice or participation of sports, recreational endeavors, or Athletics either as a professional, amateur or novice, unless performed solely for recreational purposes or during high school activities;

w) Hazardous Activities;

x) Occurring when You are a passenger in an aircraft other than a commercial aircraft;

Unless otherwise specifically provided for therein, the coverage provided by the Certificate under Sections 3.2 through 3.5, 3.8, 3.9, 4.1, 4.2, 5.1 through 5.6, 5.8, 6.2, 6.3, 6.5, and 7.1 excludes Expenses that are for, resulting from, related to, or incurred for the following:

aa) Hazardous Activities unless You purchase optional Hazardous Activities coverage and then only for the activities covered under that option under Section 7.1;

bb) Injuries sustain while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities

mm) Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft;

nn) Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (i) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;

oo) Flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing, or any experimental purpose;

pp) Participating in contests of speed or riding or driving in any type of competition;

Hazardous Activities.

The definition of “Hazardous Activities” set forth in Section 9 does not apply to this Section 7.1. If You elect and pay the required premium for this optional Insurance, the Company will reimburse You for Covered Expenses up to the amount set forth in the Schedule of Benefits resulting from an Injury sustained while participating in bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; Parachuting; parasailing; scuba diving only to a depth of ten (10) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where You are located in the Host Country.

Except as otherwise specifically set forth and enumerated in this Section 7.1, the exclusions set forth in Section 8 apply to coverage provided by the Certificate under this Section 7.1.

Definitions:

Athletics: Sports, games, or exercises of any kind engaged in by athletes. It includes numerous types of professional, amateur, and interscholastic sports, games, or exercises including, for example, track and field, soccer, American football, baseball, basketball, softball, lacrosse, weight lifting, skiing, bowling, tennis, wrestling, and rugby. Further, it includes all activities sanctioned or sponsored by the International Olympic Committee, the National Collegiate Athletic Association or similar organization, or professional sports organizations.

Hazardous Activities: Abseiling; American football; aviation except when travelling solely as a passenger in a commercial aircraft; BMX; BASE jumping; bobsledding; boxing; bungee jumping; canyoning; caving; fighting sports; free diving; hang gliding; heli-skiing; high diving; hot air ballooning; hunting; inline skating; jet skiing; kayaking; kiteboarding; luge; martial arts; motocross (MOTO-X); motorcycle or motor scooter riding whether as a passenger or a driver; mountain biking; Mountaineering; offshore boating; Parachuting; paragliding; parasailing; parascending; polo; racing of any kind whether by any animal, motor vehicle, motorcycle, or otherwise; rappelling; rock climbing; rodeo activity; scuba diving; ski jumping; sky diving; snow skiing and snowboarding except for recreational downhill and/or cross country snow skiing or snowboarding provided that such is not in any violation of applicable laws, rules, or regulations or away from prepared and marked in-bound territories or against the advice of the local ski school or local authoritative body; snowmobiling; spelunking; surfing; trekking; wakeboard riding; water skiing; whitewater rafting; wildlife safaris; windsurfing; zip lining; any attempt to make or set sporting records; other adventures sports or activities; and any other sport or athletic activity that exposes You to abnormal or extreme risk of Injury. This includes practice or training in preparation for any excluded activity; participating in any sporting, recreational, or adventure activity where such activity is undertaken against the advice or direction of any local authority or any qualified instructor or contrary to the rules, recommendations, and procedures of a recognized governing body for the sport or activity; or participating in any activity where such activity is undertaken in disregard of or against the recommendations, Treatment programs, or medical advice of a Physician or other health care provider.

Mountaineering: Sport, hobby or profession of walking, hiking, and climbing up mountains either (i) utilizing harnesses, ropes, crampons, or ice axes; or (ii) ascending 4,500 meters or above.

Parachuting: Activity involving the breaking of a free fall from an airplane using a parachute.

Tin Leg
Tin Leg

44

Standard
Tin Leg

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick- axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

45

Luxury
Tin Leg

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick- axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

46

Adventure
Tin Leg

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. This policy does not outline specific covered sports or activities in the certificate. We have confirmed that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review limitations and exclusions that may apply to your trip and activities.

47

Gold
Tin Leg

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

8. Serving as a contractor for the military, participation in any military maneuver or training exercise, police service or military service;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Travelex Insurance Services
Travelex Insurance Services

48

Travel Basic
Travelex Insurance Services

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

GENERAL EXCLUSIONS

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pickaxes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

49

Travel Select
Travelex Insurance Services

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

Adventure Sports Coverage – Provides coverage for many sports activities which would otherwise be excluded under this plan.

GENERAL EXCLUSIONS

This plan does not cover any loss caused by or resulting from:

c) the following activities are excluded unless the Adventure Sports coverage has been elected and consideration of premium has been paid:

(1) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

(2) mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

(3) operating or learning to operate any aircraft, as student, pilot, or crew;

(4) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

TravelSafe
TravelSafe

50

Basic
TravelSafe

Sports & Activities Benefits

No coverage

Start a New Search

Full Policy Wording

There is no Sports & Activities coverage with this plan.

Trawick International
Trawick International

51

Safe Travels USA
Trawick International

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

We will not pay for any Accidental Death and Dismemberment or Paralysis loss or Injury that is caused by or that results from:

7. piloting or serving as a crewmember or riding in any aircraft except as a passenger on a regularly scheduled or charter airline.

10. flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing or endurance tests; flying in any rocket propelled aircraft; flying in any aircraft being used for or in connection with crop dusting, or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting bird or fowl herding, aerial photography, banner towing or any test or experimental purpose; flying any aircraft which is engaged in flight which requires a special permit or waiver from the authority having jurisdiction over civil aviation, even if granted.

11. specific named hazards: Abseiling, Aviation (except when traveling as a passenger in a commercial aircraft), BASE Jumping, Bobsleigh, BMX, Bungee Jumping, Canopying, Canyoning, Caving, Extreme sports, High Diving, Hang Gliding, Heli-skiing, Hot Air Ballooning, Inline Skating, Jet Skiing, Kayaking, Luge, Motocross, Motorcycling, Moto-X, Mountaineering, Mountain biking, Mountain Climbing, Paragliding, Parasailing, Parascending, Piloting any Aircraft, racing of any kind, Rock Climbing, Rodeo Activities, Rappelling, Scuba Diving, Ski Jumping, Skydiving, Snow Skiing, Snowboarding, Snowmobiling, Spelunking, Surfing, Trekking, Water Skiing, Wind Surfing, White Water Rafting, Zip Lining, Zorbing.

12. All professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sports.

In addition to the Exclusions above, We will not pay Medical Expense Benefits for any loss, treatment or services that results from or contributed to by:

5. Injury sustained while participating in a professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sport (except as provided by the Athletic Sport Rider).

18. Specific named hazards: Abseiling, Aviation (except when traveling as a passenger in a commercial aircraft), BASE Jumping, Bobsleigh, BMX, Bungee Jumping, Canopying, Canyoning, Caving, Extreme Sports, High Diving, Hang Gliding, Heli-skiing, Hot Air Ballooning, Inline Skating, Jet Skiing, Kayaking, Luge, Motocross, Motorcycling, Moto-X, Mountaineering, Mountain Biking, Mountain Climbing, Paragliding, Parasailing, Parascending, Piloting any Aircraft, Racing of any kind, Rock Climbing, Rodeo Activities, Rappelling, Scuba Diving, Ski Jumping, Skydiving, Snow Skiing, Snowboarding, Snowmobiling, Spelunking, Surfing, Trekking, Water Skiing, Wind Surfing, White Water Rafting, Zip Lining, Zorbing.

Athletic Sport Optional Coverage Rider

The following modifications have been made to your coverage:

For additional Premium paid, the following exclusion is modified:

5. Injury sustained while participating in a professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sport (except as provided by the Policy).

And replaced with:

5. Injury sustained while participating in a professional, semi-professional sports and those sports not listed here:

Athletic Sport Class 1 Upgrade- includes Archery, Tennis, Swimming, Cross Country, Track, Volleyball and Golf

Athletic Sport Class 2 Upgrade- includes Ballet, Basketball, Cheerleading, Equestrian, Fencing, Field Hockey, Football (no division 1), Gymnastics, Hockey, Karate, Lacrosse, Polo, Rowing, Rugby and Soccer

Any Athletic Sport not expressly covered hereunder is excluded from this policy unless the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only. Professional and Semi Professional Sports are always excluded.

52

Safe Travels International Cost Saver excl US
Trawick International

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

We will not pay for any Accidental Death, Dismemberment or Paralysis loss or Injury that is caused by, or results from:

7. piloting or serving as a crewmember or riding in any aircraft except as a passenger on a regularly scheduled or charter airline.

10. flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing or endurance tests; flying in any rocket propelled aircraft; flying in any aircraft being used for or in connection with crop dusting, or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting bird or fowl herding, aerial photography, banner towing or any test or experimental purpose; flying any aircraft which is engaged in flight which requires a special permit or waiver from the authority having jurisdiction over civil aviation, even if granted.

11. specific named hazards: Abseiling, Aviation (except when traveling as a passenger in a commercial aircraft), BASE Jumping, Bobsleigh, BMX, Bungee Jumping, Canopying, Canyoning, Caving, Extreme Sports, High Diving, Hang Gliding, Heli-skiing, Hot Air Ballooning, Inline Skating, Jet Skiing, Kayaking, Luge, Motocross, Motorcycling, Moto-X, Mountaineering, Mountain biking, Mountain Climbing, Paragliding, Parasailing, Parascending, Piloting any Aircraft, Racing of any kind, Rock Climbing, Rodeo Activities, Rappelling, Scuba Diving, Ski Jumping, Skydiving, Snow Skiing, Snowboarding, Snowmobiling, Spelunking, Surfing, Trekking, Water Skiing, Wind Surfing, White Water Rafting, Zip Lining, Zorbing.

12. All professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sports.

In addition to the Exclusions above, We will not pay Medical Expense Benefits for any loss, treatment or services resulting from or contributed to by:

5. Injury sustained while participating in a professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sport (except as provided by the Athletic Sport Rider).

18. Specific named hazards: Abseiling, Aviation (except when traveling as a passenger in a commercial aircraft), BASE Jumping, Bobsleigh, BMX, Bungee Jumping, Canopying, Canyoning, Caving, Extreme Sports, High Diving, Hang Gliding, Heli-skiing, Hot Air Ballooning, Inline Skating, Jet Skiing, Kayaking, Luge, Motocross, Motorcycling, Moto-X, Mountaineering, Mountain Biking, Mountain Climbing, Paragliding, Parasailing, Parascending, Piloting any Aircraft, Racing of any kind, Rock Climbing, Rodeo Activities, Rappelling, Scuba Diving, Ski Jumping, Skydiving, Snow Skiing, Snowboarding, Snowmobiling, Spelunking, Surfing, Trekking, Water Skiing, Wind Surfing, White Water Rafting, Zip Lining, Zorbing.

Athletic Sports Coverage

Coverage for injuries incurred during Amateur, Club, Intramural, Interscholastic, Intercollegiate activities. Professional and Semi Professional Sports are always excluded.

Athletic Sport Class 1 Upgrade – includes Archery, Tennis, Swimming, Cross Country, Track, Volleyball and Golf

Athletic Sport Class 2 Upgrade – includes Ballet, Basketball, Cheerleading, Equestrian, Fencing, Field Hockey, Football (no division 1), Gymnastics, Hockey, Karate, Lacrosse, Polo, Rowing, Rugby and Soccer

Any Athletic Sport not expressly covered hereunder is excluded from this policy unless the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.

53

Safe Travels USA Cost Saver
Trawick International

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

We will not pay for any Accidental Death and Dismemberment or Paralysis loss or Injury that is caused by or that results from:

7. piloting or serving as a crewmember or riding in any aircraft except as a passenger on a regularly scheduled or charter airline.

10. flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing or endurance tests; flying in any rocket propelled aircraft; flying in any aircraft being used for or in connection with crop dusting, or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting bird or fowl herding, aerial photography, banner towing or any test or experimental purpose; flying any aircraft which is engaged in flight which requires a special permit or waiver from the authority having jurisdiction over civil aviation, even if granted.

11. specific named hazards: Abseiling, Aviation (except when traveling as a passenger in a commercial aircraft), BASE Jumping, Bobsleigh, BMX, Bungee Jumping, Canopying, Canyoning, Caving, Extreme sports, High Diving, Hang Gliding, Heli-skiing, Hot Air Ballooning, Inline Skating, Jet Skiing, Kayaking, Luge, Motocross, Motorcycling, Moto-X, Mountaineering, Mountain biking, Mountain Climbing, Paragliding, Parasailing, Parascending, Piloting any Aircraft, Racing of any kind, Rock Climbing, Rodeo Activities, Rappelling, Scuba Diving, Ski Jumping, Skydiving, Snow Skiing, Snowboarding, Snowmobiling, Spelunking, Surfing, Trekking, Water Skiing, Wind Surfing, White Water Rafting, Zip Lining, Zorbing.

12. All professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sports.

In addition to the Exclusions above, We will not pay Medical Expense Benefits for any loss, treatment or services that results from or contributed to by:

5. Injury sustained while participating in a professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sport (except as provided by the Athletic Sport Rider).

18. Specific named hazards: Abseiling, Aviation (except when traveling as a passenger in a commercial aircraft), BASE Jumping, Bobsleigh, BMX, Bungee Jumping, Canopying, Canyoning, Caving, Extreme Sports, High Diving, Hang Gliding, Heli-skiing, Hot Air Ballooning, Inline Skating, Jet Skiing, Kayaking, Luge, Motocross, Motorcycling, Moto-X, Mountaineering, Mountain Biking, Mountain Climbing, Paragliding, Parasailing, Parascending, Piloting any Aircraft, Racing of any kind, Rock Climbing, Rodeo Activities, Rappelling, Scuba Diving, Ski Jumping, Skydiving, Snow Skiing, Snowboarding, Snowmobiling, Spelunking, Surfing, Trekking, Water Skiing, Wind Surfing, White Water Rafting, Zip Lining, Zorbing.

Athletic Sport Optional Coverage Rider

The following modifications have been made to your coverage:

For additional Premium paid, the following exclusion is modified:

5. Injury sustained while participating in a professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sport (except as provided by the Policy).

And replaced with:

5. Injury sustained while participating in a professional, semi-professional sports and those sports not listed here:

Athletic Sport Class 1 Upgrade – includes Archery, Tennis, Swimming, Cross Country, Track, Volleyball and Golf

Athletic Sport Class 2 Upgrade – includes Ballet, Basketball, Cheerleading, Equestrian, Fencing, Field Hockey, Football (no division 1), Gymnastics, Hockey, Karate, Lacrosse, Polo, Rowing, Rugby and Soccer

Any Athletic Sport not expressly covered hereunder is excluded from this policy unless the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only. Professional and Semi Professional Sports are always excluded.

54

Safe Travels USA Comprehensive
Trawick International

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

We will not pay for any Accidental Death and Dismemberment or Paralysis loss or Injury that is caused by or that results from:

7. piloting or serving as a crewmember or riding in any aircraft except as a passenger on a regularly scheduled or charter airline.

10. flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing or endurance tests; flying in any rocket propelled aircraft; flying in any aircraft being used for or in connection with crop dusting, or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting bird or fowl herding, aerial photography, banner towing or any test or experimental purpose; flying any aircraft which is engaged in flight which requires a special permit or waiver from the authority having jurisdiction over civil aviation, even if granted.

11. specific named hazards: Abseiling, Aviation (except when traveling as a passenger in a commercial aircraft), BASE Jumping, Bobsleigh, BMX, Bungee Jumping, Canopying, Canyoning, Caving, Extreme Sports, High Diving, Hang Gliding, Heli-skiing, Hot Air Ballooning, Inline Skating, Jet Skiing, Kayaking, Luge, Motocross, Motorcycling, Moto-X, Mountaineering, Mountain Biking, Mountain Climbing, Paragliding, Parasailing, Parascending, Piloting any Aircraft, Racing of any kind, Rock Climbing, Rodeo Activities, Rappelling, Scuba Diving, Ski Jumping, Skydiving, Snow Skiing, Snowboarding, Snowmobiling, Spelunking, Surfing, Trekking, Water Skiing, Wind Surfing, White Water Rafting, Zip Lining, Zorbing.

12. All professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sports.

In addition to the Exclusions above, We will not pay Medical Expense Benefits for any loss, treatment or services that results from or contributed to by:

5. Injury sustained while participating in a professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sport (except as provided by the Athletic Sport Rider)

18. specific named hazards: Abseiling, Aviation (except when traveling as a passenger in a commercial aircraft), BASE Jumping, Bobsleigh, BMX, Bungee Jumping, Canopying, Canyoning, Caving, Extreme Sports, High Diving, Hang Gliding, Heli-skiing, Hot Air Ballooning, Inline Skating, Jet Skiing, Kayaking, Luge, Motocross, Motorcycling, Moto-X, Mountaineering, Mountain Biking, Mountain Climbing, Paragliding, Parasailing, Parascending, Piloting any Aircraft, Racing of any kind, Rock Climbing, Rodeo Activities, Rappelling, Scuba Diving, Ski Jumping, Skydiving, Snow Skiing, Snowboarding, Snowmobiling, Spelunking, Surfing, Trekking, Water Skiing, Wind Surfing, White Water Rafting, Zip Lining, Zorbing.

Athletic Sport Optional Coverage Rider

The following modifications have been made to your coverage:

For additional Premium paid, the following exclusion is modified:

5. Injury sustained while participating in a professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sport (except as provided by the Policy).

And replaced with:

5. Injury sustained while participating in a professional, semi-professional sports and those sports not listed here:

Athletic Sport Class 1 Upgrade – includes Archery, Tennis, Swimming, Cross Country, Track, Volleyball and Golf

Athletic Sport Class 2 Upgrade – includes Ballet, Basketball, Cheerleading, Equestrian, Fencing, Field Hockey, Football (no division 1), Gymnastics, Hockey, Karate, Lacrosse, Polo, Rowing, Rugby and Soccer.

Any Athletic Sport not expressly covered hereunder is excluded from this policy unless the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only. Professional and Semi Professional Sports are always excluded.

55

Safe Travels 3 In 1
Trawick International

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Accidental Death & Dismemberment, Emergency Accident Medical Expense, Emergency Evacuation, Emergency Sickness Medical Expense, Missed Connection and Repatriation of Remains:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics

9. participation in underwater activities (does not include recreational swimming);

12. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

56

Safe Travels Single Trip
Trawick International

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier, Flight Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation, Repatriation of Remains and Collision Damage Waiver:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

9. participation in underwater activities (does not include recreational swimming);

12. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

57

Safe Travels First Class
Trawick International

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier, Flight Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation, Repatriation of Remains and Collision Damage Waiver:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

9. participation in underwater activities (does not include recreational swimming);

12. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

58

Safe Travels Outbound excl US
Trawick International

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Delay, Trip Interruption, Accidental Death & Dismemberment, Sickness Medical Expense, Accident Medical Expense, Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

7. participation as a professional in athletics;

10. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races); scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

21. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

59

Safe Travels Outbound Cost Saver excl US
Trawick International

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Delay, Trip Interruption, Accidental Death & Dismemberment, Sickness Medical Expense, Accident Medical Expense, Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

7. participation as a professional in athletics;

10. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races); scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

22. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

60

Safe Travels Annual Executive
Trawick International

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Itinerary Change, Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

9. participation in underwater activities (does not include recreational swimming);

12. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

23. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

61

Safe Travels Annual Deluxe
Trawick International

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Itinerary Change, Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation and Repatriation of Remains:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

9. participation in underwater activities (does not include recreational swimming);

12. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

23. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

62

Safe Travels Annual Basic
Trawick International

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

9. participation in underwater activities (does not include recreational swimming);

12. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

23. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

63

Safe Travels Explorer
Trawick International

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Adventure Sports, Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports, Extreme Sports or Adventure Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming)

64

Safe Travels Journey
Trawick International

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Optional Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming)

65

Safe Travels Voyager
Trawick International

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Pet Medical Expense, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

66

Safe Travels Explorer Plus
Trawick International

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:

If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Adventure Sports, Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports, Extreme Sports or Adventure Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

USI Affinity Travel Insurance Services
USI Affinity Travel Insurance Services

67

Ruby
USI Affinity Travel Insurance Services

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:
If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

68

Diamond
USI Affinity Travel Insurance Services

Sports & Activities Benefits

Covered
Limitations apply

Start a New Search

Full Policy Wording

Squaremouth Notification:
If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

The policy certificate includes the following language:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Accidental Death and Dismemberment – Air Only, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation, Renters Collision and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;