What is Sports Fees?

Sports Fees can reimburse a traveler’s prepaid and non-refundable payments that are specific to sports and activities.

They can include reimbursement for the cost of lift tickets, greens fees, or lessons, in the event an activity is missed due to a reason covered by the policy. In order for coverage to be available, travelers must have their receipt showing proof of their plans.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Sports Fees coverage.

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All policies provide worldwide coverage unless stated prior to purchase.
Step 1 of 3
April Travel Protection
April Travel Protection
Policy Name and Summary of Coverage
1

Trip Cancellation Plan

Included in Trip Cancellation

Included in Trip Cancellation coverage. Please note the following sports related exclusions under the policy:

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

e. your or your Traveling Companion 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;

i. 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;
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2

Choice

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

i. 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 airsupported device, other than on a regularly scheduled airline or air charter company;
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3

Choice

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

i. 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;
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4

Annual Plan

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

i. 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;
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5

Pandemic Plus

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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, spelunking, 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;

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AXA Assistance USA
AXA Assistance USA
Policy Name and Summary of Coverage
6

Silver

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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 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;

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7

Gold

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

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8

Platinum

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

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battleface
battleface
Policy Name and Summary of Coverage
9

Travel Medical Single Trip

Included in Trip Cancellation

Included in Cancellation coverage. Please note the following sports related exclusions under the policy:

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, family member host at destination, business partner, pet and service animal. This policy does not cover any loss for, caused by or resulting from:

c. Operating or working as a crew member (including as a trainee or learner/student) aboard any aircraft or commercial vehicle or commercial watercraft;

h. The following activities are excluded:

1. Participation in professional athletic events, ; motor sport, or motor racing, including training or practice for the same; sky diving, parachuting, hang gliding, bungee cord jumping, heliskiing, spelunking; extreme water skiing, snow skiing, jet skiing, snowboarding, skate boarding, BMX, white water rafting sports, hunting/shooting, parkour;
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 company;
5. Participation in underwater activities scuba diving (if depth exceeds thirty (30) feet or more);

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, extreme activities, winter activities or dangerous activities, except as a spectator;

Accidental Death and Dismemberment Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and DismembermentBenefit.No benefits will be paid for any lossfor, caused by, or resulting from:

e. Your participation in adventure activities, winter activities or dangerous activities, except as a spectator;

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10

Explorer

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in extreme activities or dangerous activities, except as a spectator.

Rental Vehicle Damage Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Rental Vehicle Damage coverage. Unless otherwise specified below, these exclusions apply to you, your traveling companion, and family member. This benefit will not cover any loss for, caused by, or resulting from:

f. Participation in contests of speed, motor sport or motor racing including training or practice for the same;

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, family member, host at destination, business partner, pet and service animal. This policy does not cover any loss for, caused by or resulting from:

c. Operating or working as a crew member (including as a trainee or learner/student) aboard any aircraft or commercial vehicle or commercial watercraft;

h. 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. Sky diving, parachuting, hang gliding, bungee cord jumping, heliskiing, spelunking; white water rafting sports, hunting/shooting (does not apply if Adventure Sports Coverage is purchased);

3. Mountain climbing over four thousand five hundred (4,500) meters that requires the use of equipment such as pick-axes; anchors; bolts; crampons; carabineers; and lead or top-rope anchoring or other specialized equipment; (does not apply if Adventure Sports Coverage is purchased;)

4. Operating or learning to operate any aircraft, as student, pilot, or crew;

5. Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;

6. Participation in underwater activities such as scuba diving (if depth exceeds thirty (30) feet or more); (does not apply if Adventure Sports Coverage is purchased);

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Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
11

ExactCare

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

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12

ExactCare Value

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

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13

LuxuryCare

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

This policy includes the following sports related benefits:

LICENSE FEE REFUND BENEFIT

License Fee Refund – License Cost

The Company will reimburse You for the prepaid non-refundable cost of Your hunting or fishing license or permits up to the Maximum Limit shown in the Schedule if the Insured is unable to travel due to one of the Unforeseen events shown in the Trip Cancellation Interruption Benefit.

TRIP CANCELLATION AND INTERRUPTION

Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Other

b) You are unable to participate in a scheduled hunting/fishing expedition due to a delay of the necessary personal sporting equipment by the Common Carrier;

c) the United States government or local government issues a hunting/fishing activity restriction after the effective date of coverage at the Destination, which prohibits the hunting/fishing activity for which the Insured has booked the Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting/fishing, or the hunting/fishing activity being declared illegal.

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14

ExactCare Lite

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

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Cat 70
Cat 70
Policy Name and Summary of Coverage
15

Travel Plan

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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, 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;

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HTH Travel Insurance
HTH Travel Insurance
Policy Name and Summary of Coverage
16

TravelGap Voyager excl US

No coverage

There is no Sports Fees coverage with this plan.

17

TripProtector Preferred

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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.

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18

TravelGap Excursion excl US

No coverage

There is no Sports Fees coverage with this plan.

19

TripProtector Economy

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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.

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20

TripProtector Classic

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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.

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iTravelInsured
iTravelInsured
Policy Name and Summary of Coverage
21

Travel Lite

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

EXCLUSIONS AND LIMITATIONS

Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, Family Member, scheduled and booked to travel with You.

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive.

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

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

13. expenses resulting from a motor vehicle accident, unless the driver is properly licensed to operate the vehicle at the place and time of the Accident;

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22

Travel SE

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

EXCLUSIONS AND LIMITATIONS

Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, Family Member, Pet or Service Animal scheduled and booked to travel with You.

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive.

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

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

13. expenses resulting from a motor vehicle accident, unless the driver is properly licensed to operate the vehicle at the place and time of the Accident;

This policy includes the following sports related benefits:

TRIP CANCELLATION

If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined:

34. You or Your Child are required to participate in an inter-scholastic or team sporting event that has been scheduled after Your Trip Cancellation Effective Date and must occur during Your Scheduled Trip;

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23

Travel LX

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

EXCLUSIONS AND LIMITATIONS

Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, Family Member, Pet or Service Animal scheduled and booked to travel with You.

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive.

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

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

13. expenses resulting from a motor vehicle accident, unless the driver is properly licensed to operate the vehicle at the place and time of the Accident;

This policy includes the following sports related benefits:

TRIP CANCELLATION

If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined:

34. The United States government or local government issues a hunting or fishing activity restriction after Your Trip Cancellation Effective Date at Your Scheduled Destination, which prohibits the hunting or fishing activity for which You have booked the Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting or fishing, or the hunting or fishing activity being declared illegal;

36. You or Your Child are required to participate in an inter-scholastic or team sporting event that has been scheduled after Your Trip Cancellation Effective Date and must occur during Your Scheduled Trip;

37. closure of at least seventy-five percent (75%) of trails or slopes at the Scheduled Destination before the Scheduled Departure Date, due to insufficient snow, Natural Disaster, or trail condition. This coverage is available from December 1st through April 15th for ski resorts in the northern hemisphere, and May 1st through September 30th for ski resorts in the southern hemisphere;

TRIP INTERRUPTION

If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to either:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or
c) transport You to Your originally scheduled Return Destination of Your Trip;

The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets.

Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined:

30. The United States government or local government issues a hunting or fishing activity restriction while on Your Trip which prohibits the hunting or fishing activity for which You have booked Your Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting or fishing, or the hunting or fishing activity being declared illegal;

32. If You or Your Traveling Companion are unable to ski during Your Trip due to fifty percent (50%) or more of the trails or slopes closing for at least eight (8) consecutive hours, (excluding night skiing), from lack of snow, adverse weather or trail conditions, or Natural Disaster during Your Trip, We will reimburse You or Your Traveling Companion for the prorata value of Your or Your Traveling Companion’s prepaid ski lift tickets for each lost day of skiing during Your Trip.

The following conditions must be met for this benefit to be payable:
a) coverage begins on the later of the date You arrive at Your pre-booked ski resort or the date Your ski lift ticket is valid for;
b) a minimum of fifty percent (50%) of the trails must be open on the date You arrive at the ski resort;
c) Season Pass and night skiing are not covered by this benefit;
d) this coverage is available from December 1 through April 15 for ski resorts in the Northern Hemisphere and May 15 through September 30 for ski resorts in the Southern Hemisphere;
e) coverage is only available if You purchase the coverage within the Time Sensitive Period.

You must provide a copy of the pre-paid ski lift ticket receipts and written reports from the ski resort stating the date, length of time, number and reason of trail closures for which You are submitting a claim.

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24

Travel LX Basic

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

EXCLUSIONS AND LIMITATIONS

Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, Family Member, Pet or Service Animal scheduled and booked to travel with You.

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive.

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

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

13. expenses resulting from a motor vehicle accident, unless the driver is properly licensed to operate the vehicle at the place and time of the Accident;

This policy includes the following sports related benefits:

TRIP CANCELLATION

If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined:

34. The United States government or local government issues a hunting or fishing activity restriction after Your Trip Cancellation Effective Date at Your Scheduled Destination, which prohibits the hunting or fishing activity for which You have booked the Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting or fishing, or the hunting or fishing activity being declared illegal;

36. You or Your Child are required to participate in an inter-scholastic or team sporting event that has been scheduled after Your Trip Cancellation Effective Date and must occur during Your Scheduled Trip;

37. closure of at least seventy-five percent (75%) of trails or slopes at the Scheduled Destination before the Scheduled Departure Date, due to insufficient snow, Natural Disaster, or trail condition. This coverage is available from December 1st through April 15th for ski resorts in the northern hemisphere, and May 1st through September 30th for ski resorts in the southern hemisphere;

TRIP INTERRUPTION

If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to either:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or
c) transport You to Your originally scheduled Return Destination of Your Trip;

The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets.

Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined:

30. The United States government or local government issues a hunting or fishing activity restriction while on Your Trip which prohibits the hunting or fishing activity for which You have booked Your Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting or fishing, or the hunting or fishing activity being declared illegal;

32. If You or Your Traveling Companion are unable to ski during Your Trip due to fifty percent (50%) or more of the trails or slopes closing for at least eight (8) consecutive hours, (excluding night skiing), from lack of snow, adverse weather or trail conditions, or Natural Disaster during Your Trip, We will reimburse You or Your Traveling Companion for the prorata value of Your or Your Traveling Companion’s prepaid ski lift tickets for each lost day of skiing during Your Trip.

The following conditions must be met for this benefit to be payable:
a) coverage begins on the later of the date You arrive at Your pre-booked ski resort or the date Your ski lift ticket is valid for;
b) a minimum of fifty percent (50%) of the trails must be open on the date You arrive at the ski resort;
c) Season Pass and night skiing are not covered by this benefit;
d) this coverage is available from December 1 through April 15 for ski resorts in the Northern Hemisphere and May 15 through September 30 for ski resorts in the Southern Hemisphere;
e) coverage is only available if You purchase the coverage within the Time Sensitive Period.

You must provide a copy of the pre-paid ski lift ticket receipts and written reports from the ski resort stating the date, length of time, number and reason of trail closures for which You are submitting a claim.

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John Hancock Insurance Agency, Inc.
John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage
25

Bronze

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

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26

Silver

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

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27

Gold

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

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Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage
28

Cruise Universal

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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

Loss caused by or resulting from:

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

7. participation as an athlete in professional sports;

10. 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).

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29

Cruise Choice

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Inconvenience to You, Accidental Death & Dismemberment, 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).

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30

Cruise Luxury

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Inconvenience to You, Accidental Death & Dismemberment, 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).

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Seven Corners Inc
Seven Corners Inc
Policy Name and Summary of Coverage
31

RoundTrip Choice

Included in Cancellation & Interruption

Included in Cancellation coverage. Please note the following sports related exclusions under the policy:

EXCLUSIONS AND LIMITATIONS

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive;

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

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

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32

RoundTrip Economy

Included in Trip Cancellation

Included in Cancellation coverage. Please note the following sports related exclusions under the policy:

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;

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33

RoundTrip Elite

Included in Trip Cancellation

Included in Cancellation coverage. Please note the following sports related exclusions under the policy:

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;

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34

RoundTrip Basic

Included in Cancellation & Interruption

Included in Cancellation coverage. Please note the following sports related exclusions under the policy:

EXCLUSIONS AND LIMITATIONS

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive;

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

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

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Tin Leg
Tin Leg
Policy Name and Summary of Coverage
35

Economy

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

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36

Standard

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

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37

Luxury

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

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38

Adventure

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. This policy includes the following sports related benefits:

LICENSE FEE REFUND BENEFIT

The Company will reimburse You for the prepaid non-refundable cost of Your hunting or fishing license or permits up to the Maximum Limit shown in the Schedule if the Insured is unable to travel due to one of the Unforeseen events shown in the Trip Cancellation Interruption Benefit.

TRIP CANCELLATION AND INTERRUPTION

Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Other

b) You are unable to participate in a scheduled hunting/fishing expedition due to a delay of the necessary personal sporting equipment by the Common Carrier;

c) the United States government or local government issues a hunting/fishing activity restriction after the effective date of coverage at the Destination, which prohibits the hunting/fishing activity for which the Insured has booked the Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting/fishing, or the hunting/fishing activity being declared illegal.

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39

Gold

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

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;

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40

Basic

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion and family member. This policy does not cover any loss for, caused by or resulting from:

c. Operating or working as a crew member (including as a trainee or learner/student) aboard any aircraft or commercial vehicle or commercial watercraft;

h. The following activities are excluded:

1. Participation in professional athletic events, motor sport, or motor racing, including training or practice for the same; sky diving, parachuting, hang gliding, bungee cord jumping, heliskiing, spelunking; extreme water skiing, snow skiing, jet skiing, snowboarding, skate boarding, BMX, white water rafting sports, hunting/shooting, parkour;

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 company;

5. Participation in underwater such as activities scuba diving (if depth exceeds thirty (30) feet or more);

Accidental Death and Dismemberment – Common Carrier (Air Only) Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment – Common Carrier (Air Only) Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, winter activities or dangerous activities, except as a spectator;

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, extreme activities, winter activities or dangerous activities, except as a spectator;

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41

Platinum

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, family member and host at destination. This policy does not cover any loss for, caused by or resulting from:

c. Operating or working as a crew member (including as a trainee or learner/student) aboard any aircraft or commercial vehicle or commercial watercraft;

h. The following activities are excluded:

1. Participation in professional athletic events, motor sport, or motor racing, including training or practice for the same; sky diving, parachuting, hang gliding, bungee cord jumping, heliskiing, spelunking; extreme water skiing, snow skiing, jet skiing, snowboarding, skate boarding, BMX, white water rafting sports, hunting/shooting, parkour;

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 company;

5. Participation in underwater activities scuba diving (if depth exceeds thirty (30) feet or more);

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, extreme activities, winter activities or dangerous activities, except as a spectator;

Accidental Death and Dismemberment – Common Carrier (Air Only) Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment – Common Carrier (Air Only) Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, winter activities or dangerous activities, except as a spectator.

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42

USA Only

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

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43

Silver

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

Coverages to which General Exclusions apply: In addition to any applicable benefit-specific exclusions, the following exclusions apply to all Losses and all benefits. Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, and Immediate Family Member.

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. Your participation in Adventure Activities, Winter Activities or dangerous activities, except as a spectator;

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

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

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Travel Insured International
Travel Insured International
Policy Name and Summary of Coverage
44

Worldwide Trip Protector Plus

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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 bodily contact sports, skydiving or parachuting except parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, spelunking or caving, 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;

This policy includes the following sports related benefits:

COVERAGE G
ITINERARY CHANGE

In the event Your Travel Supplier makes a change in Your Trip itinerary after Your Scheduled Departure Date, which prevents You from participating in an event/activity Prepaid prior to departure and scheduled on Your Trip itinerary, non-refundable Prepaid event/activity expenses will be payable up to the Maximum Benefit Amount shown in the Confirmation of Benefits.

Benefits will not be paid if a comparable event/activity of equivalent cost is rescheduled during the course of Your Trip.

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

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45

Worldwide Trip Protector

No coverage

There is no Sports Fees coverage with this plan.

Travelex Insurance Services
Travelex Insurance Services
Policy Name and Summary of Coverage
46

Travel Basic

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

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47

Travel Select

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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

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;

This policy includes the following sports related benefits:

LICENSE FEE REFUND BENEFIT

License Fee Refund – License Cost

The Company will reimburse You for the prepaid non-refundable cost of Your hunting or fishing license or permits up to the Maximum Limit shown in the Schedule if the Insured is unable to travel due to one of the Unforeseen events shown in the Trip Cancellation Interruption Benefit.

TRIP CANCELLATION AND INTERRUPTION

Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Other

b) You are unable to participate in a scheduled hunting/fishing expedition due to a delay of the necessary personal sporting equipment by the Common Carrier;

c) the United States government or local government issues a hunting/fishing activity restriction after the effective date of coverage at the Destination, which prohibits the hunting/fishing activity for which the Insured has booked the Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting/fishing, or the hunting/fishing activity being declared illegal.

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Trawick International
Trawick International
Policy Name and Summary of Coverage
48

Safe Travels Single Trip

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier, 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).

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49

Safe Travels First Class

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier, 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).

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50

Safe Travels Annual Executive

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage.

Please note the following sports related exclusions under the policy:

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).

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51

Safe Travels Annual Deluxe

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage.

Please note the following sports related exclusions under the policy:

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).

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52

Safe Travels Annual Basic

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage.

Please note the following sports related exclusions under the policy:

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).

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53

Safe Travels Explorer

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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)

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54

Safe Travels Journey

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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).

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55

Safe Travels Voyager

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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).

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56

Safe Travels Explorer Plus

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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).

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USI Affinity Travel Insurance Services
USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
57

Ruby

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

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;

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58

Diamond

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

Coverages to which General Exclusions apply: 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;

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