Accident means a sudden, unexpected, unusual, specific event that occurs at an identifiable time and place, but shall also include exposure resulting from a mishap to a conveyance in which You are traveling.
Accidental Injury means Bodily Injury caused by an Accident (of external origin) being the direct and independent cause in the Loss.
Actual Cash Value means replacement cost new less depreciation.
Additional Expense means any reasonable expenses for meals and lodging which were necessarily incurred as the result of a Hazard and which were not provided by the Common Carrier or other party free of charge.
Bankruptcy means the filing of a petition for voluntary or involuntary Bankruptcy in a court of competent jurisdiction under Chapter 7 or Chapter 11 of the United States Bankruptcy Code 11 L.S.C. Subsection 101 et seq.
Bodily Injury means identifiable physical injury which is caused by an Accident and is independent of disease or bodily infirmity.
Business Equipment means Computer equipment, communication devices (including mobile phones) and other business-related equipment which You need for Your business and which is not insured elsewhere.
Business Partner means an individual who: (a) is involved in a legal partnership; and/or (b) is actively involved in the day-to-day management of the business.
Checked Baggage means a piece of baggage for which a claim check has been issued to You by a Common Carrier.
Common Carrier means any land, sea, and/or air conveyance operating under a valid license for the transportation of passengers for hire.
Company means American Commerce InsuranceCompany.
Covered Trip means any class of scheduled trips, tours or Cruises for which You request coverage and remit the required premium.
Cruise means any prepaid sea arrangements made
Default means a material failure or inability to provide contracted services due to financial insolvency.
Dependent Child(ren) means [one of] the Insured’s child(ren), including an unmarried child(ren), stepchild, legally adopted child(ren) or foster child(ren) who is: less than age 19 and primarily dependent on the Insured for support and maintenance; or [who is at least age 19 but less than age 26] and who regularly attends [an institution of learning] [an accredited school or college]; and who is primarily dependent on the Insured for support and maintenance.
Domestic Partner means a person with whom You reside and can show evidence of cohabitation (including the shared responsibility for basic living expenses) for at least the previous six (6) months and has an affidavit of domestic partnership or civil union, if recognized by the jurisdiction within which You reside.
Economy Fare means the lowest published rate for an economy ticket.
Effective Date means 12:01 AM local time, at Your location, on the day after the required premium for such coverage is received by the Company or its authorized representative.
Emergency Treatment means necessary medical treatment, including services and supplies, which must be performed during the Covered Trip due to the serious and acute nature of the Accidental Injury or Sickness.
Exotic Vehicles includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Cosworth, Citroen, Clenet, De Lorean, Excalibre, Ferrari, Fiat, Iso, Jaguar, Jensen, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, MG, Morgan, Pantera, Panther, Pininfarina, Rolls Royce, Rover, Stutz, Sterling, Triumph, TVR and Yugo.
Family Member means You or Your Traveling Companion’s legal or common law spouse, ex-spouse,
Domestic Partner, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, foster child, step-child, child(ren)-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece or nephew, or Business Partner who reside in the United States, Canada or Mexico.
Hazard means (a) any delay of a Common Carrier (including Inclement Weather); (b) any delay by a traffic Accident en route to a departure, in which You or a Traveling Companion is directly involved; © any delay due to lost or stolen passports, travel documents or money, quarantine, hijacking, unannounced strike, natural disaster, civil commotion or riot; (d) a closed roadway causing cessation of travel to the destination
of the Covered Trip (substantiated by the department
of transportation,state police, etc.).
Hospital means a facility that (a) holds a valid license if it is required by the law; (b) operates primarily for the care and treatment of sick or injured persons as in-patients; © has a staff of one or more Physicians available at all times; (d) provides twenty-four (24)-hour nursing service and has at least one registered professional nurse on duty or call; (e) has organized diagnostic and surgical facilities, either on the premises or in facilities available to the Hospital on a pre-arranged basis; and (f) is not, except incidentally, a clinic, nursing home, rest home, or convalescent home for the aged, or similar institution.
Host at Destination means a person with whom You are sharing pre-arranged overnight accommodations at the host’s usual principal place of residence.
Inclement Weather means any severe weather condition that delays the scheduled arrival or departure of a Common Carrier.
Individual Coverage Term means the period of time beginning when You have been enrolled for coverage under the Policy and for which the required premium has been paid.
Insured means the person who has enrolled for and paid for coverage under the Policy.
Land/Sea Arrangements means any activities undertaken by You while in the Individual Coverage Term.
Loss means injury or damage sustained by You in consequence of happening of one or more of the occurrences against which the Company has undertaken to indemnify You.
Medically Necessary means a treatment that is essential for the diagnosis, treatment and care of the Accidental Injury or Sickness, meets generally accepted standards of medical practice and is ordered by a
Physician and performed under the Physician’s care, supervision or order.
Maximum Benefit means the largest total amount of Covered Expenses that the Company will pay for Your covered Losses.
Natural Disaster means a large-scale extreme weather or environmental event that disrupts transportation such as earthquake, fire, flood, cyclonic, volcanic eruption or any other extraordinary atmospheric, meteorological,seismic or geological phenomenon.
Physician means a licensed practitioner (including a Christian Science Practitioner) of medical, surgical or dental services acting within the scope of his/her license. The treating Physician may not be You, a Traveling Companion or a Family Member.
Pre-Existing Condition means any injury, Sickness or condition of You, or Your Traveling Companion for which within the sixty (60) day period prior to the Effective Date of the Policy (a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; (b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or © required medical treatment or treatment was recommended by a Physician.
The Pre-Existing Conditions exclusion is waived if You enroll in the Plan at the time You pay the deposit required for the Covered Trip (or within fourteen (14) days of the initial deposit) and You purchase the coverage under the Plan for the full cost of the Covered Trip.
Primary Residence means Your permanent, fixed address and Primary Residence for legal and tax purposes in Your home country. It is where the emergency repatriation and/or return of remains detailed in this policy will be made. It is also the country and state where the policy was issued.
Reasonable and Customary charges mean charges commonly used by Physicians in the locality in which care is furnished.
Scheduled Departure Date means the date on which You are originally scheduled to leave on the Covered Trip.
Scheduled Return Date means the date on which You are originally scheduled to return to the point of origin or to a different final destination.
Sickness means an illness or disease which is diagnosed or treated by a Physician after the Effective Date of insurance and while You are covered under the Policy.
Strike means any unannounced labor disagreement that interferes with the normal departure and arrival of a Common Carrier.
Terrorist Incident means an incident deemed a terrorist act by the United States Government.
Traveling Companion means a person or persons with whom You have coordinated travel arrangements and intends to travel with during the Covered Trip. Note, a group or tour leader is not considered a Traveling Companion unless You are sharing room accommodations with the group or tour leader.
Travel Supplier means tour operator, Cruise line, hotel, airline, etc., that has made the land and/or sea arrangements.
You or Your refers to all persons listed on the Confirmation of Coverage under the program purchased by the Insured.