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Free look up to 15 days after purchase
Money back guarantees are provided to allow you to decide if the policy you purchased is right for you. Your guarantee or “free look” period can last for up to 14 days depending on insurance company although it expires as soon as you use the policy by making a claim or reaching your departure date.
FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: (a) 15 days from the Effective Date of your insurance; or (b) your Scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Certificate.
“Actual Cash Value” means purchase price less depreciation.
“Baggage” means luggage, travel documents, and personal possessions; whether owned, borrowed or rented, taken by the Insured on the Trip.
“Business Partner” means a person who: (1) is involved with the Insured or the Insured’s Traveling Companion in a legal partnership; and (2) is actively involved in the daily management of the business.
“Caregiver” means an individual employed for the purpose of providing assistance with activities of daily living to the Insured or to the Insured’s Family Member who has a physical or mental impairment. The Caregiver must be employed by the Insured or the Insured’s Family Member. A Caregiver is not a babysitter; childcare service, facility or provider; or persons employed by any service, provider or facility to supply assisted living.
“Children” “Child” means with respect to Emergency Evacuation and as shown on the enrollment form unmarried children or grandchildren of the Insured, including natural children from the moment of birth, children from a civil union and step, foster or adopted children from the moment of placement in the Insured’s home, under age 25 and primarily dependent on the Insured for support and maintenance. However, the age limit does not apply to a child who: (1) otherwise meets the definition of children; and (2) is incapable of self-sustaining employment by reason of mental or physical incapacity. As otherwise used in this plan it means the Insured’s natural, step, foster, adopted children or grandchildren of any age.
“City” means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas or airspace.
“Common Carrier” means an air, land or sea conveyance operated under a license for the transportation of passengers for hire and for which the Insured’s ticket was purchased through the Travel Supplier.
“Company” means National Union Fire Insurance Company of Pittsburgh, Pa.
“Complications of Pregnancy” means conditions whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include acute nephritis, nephrosis, cardiac decompensation, missed abortion and similar medical and surgical conditions of comparable severity. Complications of pregnancy also include nonelective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.
Complications of pregnancy do not include false labor, occasional spotting, Physician-prescribed rest during the period of pregnancy, morning sickness, hyperemesis gravidarum, preeclampsia and similar conditions associated with the management of a difficult pregnancy not constituting a nosologically distinct complication of pregnancy.
“Cruise” means a vacation on a cruise ship.
“Declarations Page” means the document showing the Insured’s travel arrangements and insurance benefits.
“Deductible” means the amount of charges that must be incurred by an Insured before benefits become payable. The amount of the deductible is shown in the Schedule or Declarations Page for each benefit to which a deductible applies.
“Departure Date” means the date on which the Insured is originally scheduled to leave on his/her Trip. This date is specified in the travel documents.
“Destination” means any place where the Insured expects to travel to on his/her Trip as shown on the travel documents.
“Domestic Partner” means an opposite or a same-sex partner who is at least 18 years of age and has met all of the following requirements for at least 6 months:
(a) resides with the Insured or Family Member; and
(b) shares financial assets and obligations with the Insured or Family Member.
The Company may require proof of the domestic partner relationship in the form of a signed and completed Affidavit of Domestic Partnership.
“Eligible Person” means a person who is a member of an eligible class of persons as described in the Description of Eligible Persons section of the Master Application.
“Exotic Vehicle” means antique cars that are over 20 years old or have not been manufactured for 10 or more years or any vehicle with an original manufacturer’s suggested retail price greater than $50,000.
“Experimental or Investigative” means treatments, devices or prescription medications which are recommended by a Physician, but are not considered by the medical community as a whole to be safe and effective for the condition for which the treatments, devices or prescription medications are being used. This includes any treatments, procedures, facilities, equipments, drugs, drug usage, devices or supplies not recognized as accepted medical practice, and any of those items requiring federal or other governmental agency approval not received at the time services are rendered.
“Family Member” means the Insured’s or Traveling Companion’s spouse, civil union partner, Domestic Partner, Child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparent, step-grandparent, grandchild, step- grandchild, step-child, step-brother, step-sister, step-parent, parent-in-law, brother-in-law, sister-in-law, aunt, step-aunt, uncle, step-uncle, niece, nephew, legal guardian, Caregiver, foster Child, ward, or legal ward; spouse, civil union partner or Domestic Partner of any of the above. Family Member also includes these relations to the Insured’s or Traveling Companion’s spouse, civil union partner or Domestic Partner.
“Felonious Assault” means an act of violence against theInsured or a Traveling Companion requiring medical treatment in a Hospital.
“Financial Default” means the total cessation or partial suspension of operations due to insolvency, with or without the filing of a bankruptcy petition by a tour operator, cruise line or airline.
“Forfeited” means the Insured’s financial Loss of any whole or prorated prepaid, nonrefundable components of a Trip.
“Hospital” means a facility that:
a) is operated according to law for the care and treatment o fsick or Injured people;
b) has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis;
c) has 24 hour nursing service by registered nurses (R.N.’s); and
d) is supervised by one or more Physicians available at all times.
A hospital does not include:
a) a nursing, convalescent or geriatric unit of a hospital when a patient is confined mainly to receive nursing care;
b) a facility that is, other than incidentally, a clinic, a rest home, nursing home, convalescent home, home health care, or home for the aged; nor does it include any ward, room, wing, or other section of the hospital that is used for such purposes; or
c) any military or veterans hospital or soldiers home or any hospital contracted for or operated by any national government or government agency for the treatment of members or ex-members of the armed forces for which no charge is normally made.
“Host At Destination” means the person with whom the Insured is sharing prearranged overnight accommodations in the host’s home.
“Hotel” means any establishment used for the purpose of temporary, overnight lodging for which a fee is paid and reservations are required.
“Inaccessible” means an Insured cannot reach his/her Destination by the original mode of transportation.
“Inclement Weather” means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier or prevents the Insured from reaching his/her Destination when traveling by a rented or owned vehicle.
“Initial Trip Payment” means the first payment made to the Insured’s Travel Supplier toward the cost of the Insured’s Trip.
“Injury/Injured” means a bodily injury caused by an accident occurring while the Insured’s coverage under the 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.
“Insured” means an Eligible Person:
a) for whom any required enrollment form has been completed;
b) for whom any required plan cost has been paid;
c) for whom a Trip is scheduled; and
d) who is covered under the Policy.
“Key Employee” means an employee of an employer who is responsible for policy and decision making.
“Loss” means Injury or damage sustained by the Insured as a consequence of one or more of the events against which the Company has undertaken to compensate the Insured.
“Medically Necessary” means that a treatment, service, or supply:
a) is essential for diagnosis, treatment, or care of the Injury or Sickness for which it is prescribed or performed;
b) meets generally accepted standards of medical practice;
c) is ordered by a Physician and performed under his or her care, supervision, or order; and
d) is not primarily for the convenience of the Insured Physician, other providers or any other person.
“Mental, Nervous or Psychological Disorder” means a mental or nervous health condition including, but not limited to: anxiety, depression, neurosis, phobia, psychosis or any related physical manifestation.
“Natural Disaster” means a flood, hurricane, tornado, earthquake, volcanic eruption, fire, wildfire or blizzard that is due to natural causes.
“Necessary Personal Effects” means items, such as clothing and toiletry items, which are included in the Insured’s Baggage and are required for the Insured’s Trip.
“Normal Pregnancy or Childbirth” means a pregnancy or childbirth that is free of complications or problems. “Physician” means a licensed practitioner of medical, surgical, dental, services or the healing arts including accredited Christian Science Practitioner, acting within the scope of his/her license. The treating physician cannot be the Insured, a Traveling Companion, a Family Member, a Business Partner or retained by the Policyholder.
“Physician” means a licensed practitioner of medical, surgical, dental, services or the healing arts including accredited Christian Science Practitioner, acting within the scope of his/her license. The treating physician cannot be the Insured, a Traveling Companion, a Family Member, a Business Partner or retained by the Policyholder.
“Primary” means the Company will pay first but reserves the right to recover from any other insurance carrier with which the Insured may be enrolled.
“Primary Residence” means an Insured’s fixed, permanent and main home for legal and tax purposes.
“Reasonable Additional Expenses” means expenses for meals, taxi fares, essential telephone calls and lodging which are necessarily incurred as the result of a Trip Delay and which are not provided by the Common Carrier or any other party free of charge.
“Reasonable and Customary Charges” means expenses which:
a) are charged for treatment, supplies, or medical services Medically Necessary to treat the Insured’s condition;
b) do not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the expenses are incurred; and
c) do not include charges that would not have been made if no insurance existed. In no event will the Reasonable and Customary Charges exceed the actual amount charged.
“Rental Return Date” means the return date listed on the car rental agreement.
“Return Date” means the date on which the Insured is scheduled to return to the point where the Trip started or to a different specified Return Destination. This date is specified in the travel documents.
“Return Destination” means the place to which the Insured expects to return from his/her Trip as shown in the enrollment form.
“Schedule” means the Schedule of Benefits which is shown at the beginning of the Certificate.
“Sickness” means an illness or disease diagnosed or treated by a Physician.
“Strike” means a stoppage of work which:
(a) is announced, organized, and sanctioned by a labor union;
(b) interferes with the normal departure and arrival of a Common Carrier.
This includes work slowdowns and sickouts. The Insured’s Trip Cancellation coverage must be effective prior to when the strike is foreseeable. A strike is foreseeable on the date labor union members vote to approve a strike.
“Terrorist Incident” means an act of violence by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government, that is deemed terrorism by the United States Government other than civil disorder or riot, that is not an act of war, declared or undeclared, that results in Loss of life or major damage to property.
“Transportation” means any land, sea or air conveyance required to transport the Insured during an Emergency Evacuation. Transportation includes, but is not limited to, air ambulances, land ambulances and private motor vehicles.
“Travel Supplier” means the tour operator, Hotel, rental company, Cruise line or airline that provides prepaid travel arrangements for the Insured’s Trip.
“Traveling Companion” means a person or persons with whom the Insured has coordinated travel arrangements and intends to travel with during the Trip. A group or tour leader is not considered a traveling companion unless the Insured is sharing room accommodations with the group or tour leader.
“Trip” means a period of travel away from home to a Destination outside the Insured’s City of residence; the purpose of the trip is business or pleasure and is not to obtain health care or treatment of any kind; the trip has defined Departure and Return Dates specified when the Insured applies; the trip does not exceed 364 days; travel is primarily by Common Carrier and only incidentally by private conveyance.
“Trip Cost” means the dollar amount of Trip payments or deposits paid by the Insured prior the Insured’s Trip Departure Date and shown on any required enrollment form which is subject to cancellation penalties or restrictions. Trip cost will also include the cost of any subsequent prepaid payments or deposits paid by the Insured for the same Trip, after enrollment for coverage under this plan provided the Insured amends the enrollment form to add such subsequent payments or deposits and pays any required additional plan cost prior to the Insured’s Departure Date.
“Unforeseen” means not anticipated or expected and occurring after the effective date of coverage.
“Uninhabitable” means (1) the building structure itself is unstable and there is a risk of collapse in whole or in part; (2) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail or flood; (3) immediate safety hazards have yet to be cleared, such as debris or downed electrical lines; (4) the rental property is without electricity, gas, sewer service or water; or (5) the Destination is Inaccessible.
“Unused” means the Insured’s financial Loss of any whole, partial or prorated prepaid, nonrefundable components of a Trip that are not depleted or exhausted.
This plan does not cover any loss caused by or resulting from:
(a) intentionally self-inflicted Injury, suicide, or attempted suicide of the Insured, Family Member, Traveling Companion or Business Partner while sane or insane;
(b) Normal Pregnancy or Childbirth, other than Unforeseen Complications of Pregnancy, or elective abortion of the Insured, a Traveling Companion or a Family Member;
c) participation in professional athletic events, motor sport or motor racing, including training or practice for the same;
(d) mountaineering where ropes or guides are normally used. The ascent or descent of a mountain requiring the use of specialized equipment, including but not limited to pick- axes, anchors, bolts, crampons, carabineers and lead or op-rope anchoring equipment;
(e) war or act of war, whether declared or not, participation in a civil disorder, riot or insurrection;
(f) operating or learning to operate any aircraft, as student, pilot or crew;
(g) air travel on any air-supported device, other than a regularly scheduled airline or air charter company;
(h) commission of or attempt to commit a felony by the Insured;
(i) Mental, Nervous or Psychological Disorder;
(j) if the Insured’s tickets do not contain specific travel dates (open tickets);
(k) being under the influence of drugs or narcotics, unless administered upon the advice of a Physician or intoxication above the legal limit;
(l) any loss that occurs at a time when this coverage is not in effect;
(m) traveling for the purpose of securing medical treatment;
(n) any Trip taken outside the advice of a Physician;
(o) PRE-EXISTING MEDICAL CONDITION EXCLUSION:
The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition (excluding any condition from which death ensues) of an Insured, Traveling Companion, Business Partner or Family Member which, within the 90 day period immediately preceding and including the Insured’s coverage effective date: (a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; (b) for which care or treatment was given or recommended by a Physician; © required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.
PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER
The Company will waive the pre-existing medical condition exclusion if the following conditions are met:
(1) This plan is purchased within 15 days of Initial Trip Payment
(2) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase and the costs of any subsequent arrangements added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangements;
3) All Insured’s are medically able to travel when this plan cost is paid;
(4) The Trip Cost does not exceed $100,000 per person (only applicable to Trip Cancellation/ Interruption).
This coverage will be terminated and no benefits will be paid under this Pre-existing Medical Condition Exclusion Waiver coverage if the full costs of all prepaid, nonrefundable Trip arrangements are not insured.
The following exclusions also apply to Trip Cancellation and Trip Interruption:
Unless otherwise provided by this plan Benefits will not be provided for any loss resulting (in whole or in part) from:
a) travel arrangements canceled by an airline, Cruise line or tour operator, except as provided elsewhere in the plan;
b) changes in plans by the Insured, a Family Member or Traveling Companion for any reason, unless Cancel for Any Reason was purchased;
c) financial circumstances of the Insured, a Family Member or a Traveling Companion;
d) any government regulation or prohibition;
e) an event which occurs prior to the Insured’s coverage Effective Date
f) failure of any tour operator, Common Carrier, person or agency to provide the bargained-for travel arrangements
or to refund money due the Insured
The following exclusions apply to Baggage/Personal Effects and Baggage Delay:
Benefits will not be provided for any Loss, or damage to, caused by, or resulting in whole or in part from:
(a) animals, rodents, insects or vermin;
(b) bicycles (except when checked with a Common Carrier);
c) motor vehicles, aircraft, boats, boat motors, ATV’s and other conveyances
(d) artificial prosthetic devices, false teeth, any type of eyeglasses, sunglasses, contact lenses or hearing aids;
(e) keys, notes, securities, accounts, currency, deeds, food stamps, bills, credit cards or other evidences of debt, or tickets;
(f) money, stamps, stocks and bonds, postal or money orders;
(g) property shipped as freight, or shipped prior to the Departure Date;
(h) contraband, illegal transportation or trade;
(i) items seized by any government, government official or customs official
(j) defective materials or craftsmanship;
(k) normal wear and tear;
The following limitations and exclusions apply to Car Rental Collision Coverage:
Coverage is not provided in whole or in part for any loss to, or due to:
(a) the Insured or his/her Traveling Companion violating the rental agreement
(b) rentals of trucks, (not including jeeps or SUV’s) campers, trailers, off road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles;
c) any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision Deductible;
(d) failure to report the Loss to the proper local authorities and the rental car company
(e) damage to any other vehicle, structure, or person as a result of a covered Loss
(f) participation in contests of speed, motor sport or motor racing including training or practice for the same;
(g) driving under the influence of alcohol;
(h) being under the influence of drugs or intoxicants, unless prescribed by a Physician;
(i) war or act of war, whether declared or not, the Insured’s participation in a civil disorder, riot or insurrection.
The following exclusions also apply to the Accident Sickness Medical Expense Benefit:
Unless otherwise provided by this plan Benefits will not be provided for the following:
(a) routine physical examinations;
(b) mental health care;
c) replacement of hearing aids, eye glasses, contact lenses and sunglasses;
(d) routine dental care;
(e) any service provided by the Insured, a Family Member or Traveling Companion;
(f) alcohol or substance abuse or treatment for the same;
(g) Experimental or Investigative treatment procedures;
(h) care or treatment which is not Medically Necessary, except for related reconstructive surgery resulting from trauma, infection or disease;
(i) coverage for Trips less than 100 miles from the Insured’s Primary Residence.
The following exclusion also applies to the Emergency Evacuation Benefit:
(a) coverage for Trips less than 100 miles from the Insured’s Primary Residence.
The following exclusions also apply to Accidental Death and Dismemberment and Flight Guard:
Benefits will not be provided for the following:
(a) loss caused by or resulting directly or indirectly from Sickness or disease of any kind;
(b) stroke or cerebrovascular accident or event, cardiovascular accident or event, myocardial infarction or heart attack, coronary thrombosis or aneurysm.