$150,000 per person
Emergency Evacuation arranges to medically transport a patient to an appropriate medical facility. Medical Repatriation arranges for a patient to return home to receive care. Repatriation of Remains arranges for return of deceased remains back to the place of residence.
EMERGENCY MEDICAL EVACUATION BENEFIT
The Company will pay, subject to the limitations set out herein, for Covered Emergency Evacuation Expenses reasonably incurred if You suffer an Injury or Emergency Sickness that warrants Your Emergency Evacuation while on a Trip. Benefits payable are subject to the Maximum Amount per person shown on Your Confirmation of Benefits for all Emergency Evacuations due to all Injuries from the same Accident or all Emergency Sicknesses from the same or related causes. A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Evacuation and must certify that the severity of Your Injury or Emergency Sickness warrants Your Emergency Evacuation to the closest adequate medical facility. In the sole discretion of the Assistance Company, it must be determined that such Emergency Evacuation is required due to the inadequacy of local facilities. The certification and approval for Emergency Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.
Covered Emergency Evacuation Expenses are those for Medically Necessary Transportation, including reasonable and customary medical services and supplies incurred in connection with Your Emergency Evacuation. Expenses for Transportation must be: (a) recommended by the attending Physician; (b) required by the standard regulations of the conveyance transporting You and © reviewed and pre- approved by the Assistance Company.
The Insurer will also pay reasonable and customary charges for escort expenses required by You, if You are disabled during a Trip and an escort is recommended in writing, by Your attending Physician and must be pre- approved by the Assistance Company.
Additional Benefits: If You are hospitalized for more than 7 days following a Covered Emergency Evacuation Expense, the Company will pay subject to the limitations set out herein, for expenses to return to where they reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Injury or Emergency Sickness occurred: but not to exceed the cost of a single one-way economy airfare ticket less the value of applied credit from any unused return travel tickets per person.
Emergency Medical Reunion
When You are hospitalized for more than 7 days, the Company will arrange and pay for round-trip economy- class transportation for one individual selected by You from Your Home Country to the location where You are hospitalized and return to the current Home Country. The benefits payable will include: The cost of a round trip economy air fare up to the maximum stated in Your Schedule of Coverage and Service Emergency Medical Reunion. The period of Emergency Medical Reunion is not to exceed 30 days, including travel.
MEDICALLY NECESSARY REPATRIATION
Following a covered Emergency Evacuation expense or a covered medical expense, the Insurer will pay to return You from the location to which You were evacuated or became sick or injured to Your return destination or the hospital of choice near your permanent residence if medically necessary and authorized by the Assistance Company via Common Carrier within one year from Your original Trip completion date. Commercial airfare costs will be in the same class of service as Your original airline tickets, or in business or first class as in compliance with Your medical necessities and requirements upon Your discharge, less refunds from Your unused transportation tickets. In addition to the above covered expenses, if the Insurer has previously evacuated You to a medical facility, the Insurer will pay Your airfare costs from that facility to Your primary residence, within one year from Your original Scheduled Return Date, less refunds from Your unused transportation tickets. Airfare costs will be economy, or first class if Your original tickets are first class. This benefit is available only if it is not provided under another coverage in the policy.
Emergency Evacuation means Your medical condition warrants immediate transportation from the place where You are injured or sick to the nearest Hospital where appropriate medical treatment can be obtained. Transportation means any land, sea or air conveyance required to transport You during an Emergency Evacuation.
Transportation includes, but is not limited to, Common Carrier, air ambulances, land ambulances and private motor vehicles.
Emergency Sickness means an illness or disease, diagnosed by a legally licensed Physician, which meets all of the following criteria: (1) there is a present severe or acute symptom requiring immediate care and the failure to obtain such care could reasonably result in serious deterioration of Your condition or place Your life in jeopardy; (2) the severe or acute symptom occurs suddenly and unexpectedly; and (3) the severe or acute symptom occurs while Your coverage is in force and during Your Trip.
All covered transportation expenses must be approved in advance and arranged by an Assistance Company representative appointed by the Company.
1) “Accident” means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place, but shall also include exposure resulting from a mishap to a conveyance in which You are traveling.
2) “Accidental Injury” means Bodily Injury caused by an Accident (of external origin) being the direct and independent cause in the Loss.
3) “Actual Cash Value” means purchase price less depreciation.
4) “Assistance Company” means the service provider with which the Company has contracted to coordinate and deliver emergency travel assistance, medical evacuation, and repatriation.
5) “Baggage” means luggage and personal possessions, whether owned, borrowed, or rented, taken by You on the Trip.
6) “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 U.S.C. Subsection 101 et seq.
7) “Bodily Injury” means identifiable physical injury which: a) is caused by an Accident, and b) solely and independently of any other cause, except illness resulting from, or medical or surgical treatment rendered necessary by such Injury, is the direct cause of death or dismemberment of You within twelve months from the date of the Accident.
8) “Business Partner" means an individual who: a) is involved in a legal partnership; and b) is actively involved in the day to day management of the business.
9) “Checked Baggage” means a piece of Baggage for which a claim check has been issued to You by a Common Carrier.
10) “City” means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace.
11) “Common Carrier” means any regularly scheduled land, sea, and/or air conveyance operating under a valid license for the transportation of passengers for hire.
12) "Company"meansArchInsuranceCompany.
13) “Complication of Pregnancy” means a condition whose diagnosis is distinct from pregnancy but is adversely affected or caused by pregnancy.
14) “Covered Expenses” shall mean expenses incurred by You which are for medically necessary services, supplies, care, or treatment; due to illness or Injury; prescribed, performed or ordered by a Physician; reasonable and customary charges; incurred while insured under this policy; and which do not exceed the maximum limits shown in the accompanying Confirmation of Benefits, under each stated benefit.
15) “Cruise” means any prepaid sea arrangements.
16) “Default” means a material failure or inability to provide contracted services due to financial insolvency.
17) “Dependent Child(ren)” means Your children, including an unmarried child, stepchild, legally adopted child or foster child who is: (1) less than age 19 and primarily dependent on You for support and maintenance; or (2) who is at least age 19 but less than age 23 and who regularly attends an accredited school or college; and who is primarily dependent on You for support and maintenance.
18) “Domestic Partner” means a person, at least 18 years of age, with whom You have been living in a spousal relationship with evidence of cohabitation for at least 10 continuous months prior to the Effective Date of coverage.
19) “Economy Fare” means the lowest published rate for a one-way ticket.
20) “Effective Date” means the date and time Your coverage begins, as outlined in the General Provisions section of the policy.
21) “Exotic Vehicles” includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, Bradley, Bricklin, Corvette, Cosworth, Clenet, De Lorean, Excalibre, Ferrari, Fiat, Hummer, Iso, Jaguar, Jensen, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls Royce, Rover, Stutz, Sterling, Triumph, TVR. Antique cars meaning cars that are over 20 years old or have not been manufactured for 10 or more years, any vehicle with an original manufacturer’s suggested retail price greater than $25,000 and Yugo.
22) “Family Member" means You or Your Traveling Companion’s legal or common law spouse, Domestic Partner, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, foster child, ward, step-child, children-in- law, brother, sister, step-brother, step-sister, brother-in- law, sister-in-law, aunt, uncle, niece or nephew.
23) “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 Your Traveling Companion is directly or not directly involved.
c) Any delay due to lost or stolen passports, travel documents or money, quarantine, hijacking, unannounced Strike, Natural Disaster.
24) “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;
c) Has a staff of one or more Physicians available at all times;
d) Provides 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.
25) “Host at Destination” means a person with whom You are sharing pre-arranged overnight accommodations at the host’s usual principal place of residence.
26) “Inclement Weather” means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.
27) “Injury” means Bodily Injury caused by an Accident occurring while this policy is in force, and resulting directly and independently of all other causes of Loss covered by the policy. The Injury must be verified by a Physician and require emergency care.
28) “Insured” means a person while covered under the policy and for whom the required premium is paid. Insured also means “You or Your”.
29) "Land/SeaArrangements”means land and or sea arrangements made by the Travel Supplier.
30) “Loss”meansInjuryordamagesustainedbyYouas a result of one or more of the occurrences against which the Company has undertaken to indemnify You.
31) “Maximum Benefit” means the largest total amount of Covered Expenses that the Company will pay for You.
32) “Medically Necessary” means that a treatment, service, or supply is: (1) is essential for diagnosis, treatment or care of the Injury or Sickness for which it is prescribed or performed; (2) meets generally accepted standards of medical practice; and (3) is ordered by a Physician and performed under his or her care, supervision or order.
33) “Natural Disaster” means flood, fire, hurricane, tornado, earthquake, volcanic eruption, blizzard or avalanche that is due to natural causes.
34) “Physician” means a licensed practitioner of medical, surgical or dental services acting within the scope of his/her license and shall include Christian Science Practitioners. The treating Physician may not be You, a Traveling Companion or a Family Member.
35) “Pre-Existing Condition” means any Injury, Sickness or condition of You, a Traveling Companion or Your and/or Your Traveling Companion’s Family Member for which medical advice, diagnosis, care or treatment was recommended or received within the 180 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the Sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.
36) “Scheduled Departure Date” means the date on which You are originally scheduled to leave on the Trip.
37) “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.
38) “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.
39) “Ski Equipment” means skis, ski poles, ski bindings, ski boots, snowboards, snowboard bindings, snowboard boots, snowblades and any other recognized snow sports equipment.
40) “Strike” means any unannounced labor disagreement that interferes with the normal departure and arrival of a Common Carrier.
41) “Terrorist Attack” means an incident deemed an act of terrorism by the U.S. Government.
42) “Traveling Companion” means a person who is sharing travel arrangements with You. Note, a group or tour leader is not considered a Traveling Companion unless You are sharing room accommodations with the group or tour leader.
43) "TravelSupplier"meanstouroperator,Cruiseline, hotel etc. who has made the Land and/or Sea Arrangements.
44) “Trip” means prepaid Land/Sea Arrangements and shall include flight connections to join or depart such Land/Sea Arrangements provided such flights are scheduled to commence within one week of the Land/Sea Arrangements. Travel must be more than 50 miles from Your primary residence.
45) “Unforeseen” means not anticipated or expected and occurring after the Effective Date of the policy.
46) “Used” means to avail oneself of, to employ, to expend or consume, or to convert to one’s service.
Excess Insurance Limitation: The insurance provided by this policy shall be in excess of all other valid and collectible insurance or indemnity except for Accidental Death & Dismemberment Common Carrier (Air Only), or as required by state law. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, the Company shall be liable only for the excess of the amount of Loss, over the amount of such other insurance or indemnity, and applicable deductible.
The following exclusions apply: This policy does not cover Loss caused by or resulting from:
1) Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains), unless the policy is purchased within 21 days of the initial Trip deposit. The booking for the Trip must be the first and only booking for this travel period and destination, You are not disabled from travel at the time You pay the premium, and You must purchase this policy for the full non-refundable cost of Your Trip;
2) Suicide, attempted suicide or any intentionally self- inflicted Injury while sane or insane (in Missouri, sane only) committed by You, Traveling Companion, or Family Member whether insured or not;
3) War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;
4) Participation in any military maneuver or training exercise;
5) Piloting or learning to pilot or acting as a member of the crew of any aircraft;
6) Mental or emotional disorders, unless hospitalized;
7) Participation as a professional in athletics;
8) Being under the influence of drugs or intoxicants, unless prescribed by a Physician;
9) Commission or the attempt to commit a criminal act by You, Traveling Companion or Family Member whether insured or not;
10) Injury sustained while taking part in mountaineering where ropes and guides are normally used; hang gliding, parachuting, bungee jumping, snowmobiling, jet skiing, scuba diving involving underwater breathing apparatus, unless PADI or NAUI certified, water skiing, snow skiing, spelunking, parasailing, snowboarding, extreme skiing, bodily contact sports, skydiving, any race or speed contest;
11) Dental treatment except as a result of Accidental Injury to sound natural teeth;
12) Pregnancy and childbirth (except for Complications of Pregnancy or as specifically provided under Part A);
13) Traveling for the purpose of securing medical treatment.
The following limitation applies to Trip Cancellation: All cancellations must be reported directly to the Travel Supplier within 72 hours of the event causing the need to cancel, unless the event prevents it, and then as soon as is reasonably possible. If the cancellation is not reported within the specified 72-hour period, the Company will not pay for additional charges which would not have been incurred had You notified the Travel Supplier in the specified period. If the event prevents You from reporting the cancellation, the 72-hour notice requirement does not apply; however, You must, if requested, provide proof that said event prevented You from reporting the cancellation within the specified period.
The following exclusions apply to Baggage/Personal Effects and Baggage Delay:
The Company will not provide benefits for any Loss or damage to:
1) Animals; automobiles and automobile equipment;
2) Boats or other vehicles or conveyances; trailers; motors;
3) Motorcycles; bicycles (except when checked as Baggage with a Common Carrier); eye glasses, sunglasses or contact lenses; artificial teeth and dental bridges;
4) Hearing aids; prosthetic limbs; keys, money, stamps, securities and documents; tickets.
Any Loss caused by or resulting from the following is excluded:
Wear and tear or gradual deterioration; insects or vermin; inherent vice or damage while the article is actually being worked upon or processed; confiscation or expropriation by order of any government; radioactive contamination; war or any act of war whether declared or not; property shipped as freight or shipped prior to the Scheduled Departure Date.
The following exclusions apply to Renters Collision Insurance:
1) Any obligation You assume under any agreement (except insurance collision deductible);
2) Rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles;
3) Any Loss which occurs if You are in violation of the rental agreement;
4) Failure to report the Loss to the proper local authorities and the rental company;
5) Damage to any other vehicle, structure or person as a result of a covered Loss.
The following duties in the event of Loss apply to Renters Collision Insurance:
1) You must take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;
2) You must report the Loss to the appropriate local authorities and the rental company as soon as possible;
3) You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;
4) You must provide the Company all documentation such as rental agreement, police report and damage estimate.