Accidental Death & Dismemberment

An accident that takes place on a trip that results in death or loss of body parts

The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits if:

1. the Insured is injured in an accident which happens while he/she is on a Trip and covered under the policy; and
2. he/she suffers one of the losses listed below, within 365 days of the accident. The amount of this benefit is shown below. The Principal Sum is shown on the Schedule of Benefits. The Insurer will not pay more than the Principal Sum for all losses due to the same accident. See the Description of coverage for complete details.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Adventure Sports Coverage

Provides trip interruption, medical evacuation and medical expense benefits for losses caused by many adventure sports activities typically excluded in most travel insurance plans. These activities include mountaineering up to 4,500 meters, aviation, hang gliding, skydiving, parachuting, bungee jumping, snow skiing or snowboarding, spelunking, water skiing and jet skiing.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Baggage & Personal Effects Loss

The Insurer will reimburse up to the Maximum Limit shown on the Schedule of Benefits for loss, theft, or damage to the Insured’s Baggage and travel documents during the Insured’s Trip. The Insurer will also pay for loss due to unauthorized use of the Insured’s credit cards, if the Insured has complied with all credit card conditions imposed by the credit card companies.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Baggage Delay

Having your baggage redirected to a different location or it arrives late to your destination

The insurer will reimburse the insured, up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the insured during the Trip, if the insured’s baggage is delayed or misdirected for more than 12 hours from the time the insured arrives at the Destination (other than the insured’s return destination) provided the insured is a ticketed passenger on a Common Carrier and the delay or misdirection is verified by the Common Carrier.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Cancel For Any Reason Coverage

If the Insured is prevented from taking the Trip for any reason not otherwise covered by the Policy, the Insurer will reimburse the Insured for up to 75% of the prepaid, forfeited, non-refundable payments or deposits for the insured Trip arrangement(s) up to the Maximum Limit shown on the Schedule of Benefits, provided the following conditions are met:

1. the Insured purchases the Cancel for Any Reason benefit within 15 days of the date the Insured's initial Trip payment or deposit is paid and the cost of any subsequent arrangement(s) added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s); and
2. this insurance coverage is purchased for the full cost of all prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and
3. the Insured cancels the insured Trip not less than 48 hours prior to the departure date.

Children at No Additional Costs

"Immediate Family Member" means the Insured’s or Traveling Companion’s spouse or Domestic Partner, child, spouse’s child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, caregiver, legal ward, or Domestic Partner of any of the above.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Claim

Claim Procedures: Notice of Claim:

The Insured must call Travel Guard as soon as reasonably possible, and be prepared with what coverage the loss was under (i.e., Medical Expenses), the name of the company that arranged the Trip (i.e., tour operator, cruise line, or charter operator), the Trip dates, and the amount that the Insured paid. Travel Guard will fill in the claim form and forward it to the Insured for his or her review and signature.

The completed form should be returned to Travel Guard Group, Inc., 1145 Clark Street, Stevens Point, Wisconsin 54481 (1.800.826.1300).

All claims of California residents will be administered by Mercury Claims Administrator Services, LLC.

All accident, health, and life claims will be administered by Mercury Claims & Assistance of WI, LLC, in those states where it is licensed.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Concierge Services

The concierge service provides the Insured with these services; Ground Transportation, Tee Time Reservations, Restaurant Referrals and Reservations, Floral Services, and Event Ticketing.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Coverage Period

Persons eligible for insurance under the policy are any traveler(s) who purchases his/her insurance through or from a properly licensed agent/agency located in the U.S., who enrolls for coverage and pays the plan cost, providing he/she has not already departed on his/her Trip.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Covered Service

All Travel services provided are services, and are not insurance benefits and are not provided by the Insurer.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Effective Date

Effective Date: Trip Cancellation Benefit will be effective 12:01 a.m. Standard Time on the date after becoming enrolled and plan cost is paid. All other coverages will begin on the later of:

1. the date and time the Insured starts his/her Trip, or
2. the scheduled departure date shown on the Enrollment form.

Emergency Dental Coverage

Means charges incurred for the following service, supplies or treatments:

1. Emergency dental treatment received during a Trip limited to a maximum of $500

Emergency Medical Transportation

The Insurer will pay up to the Maximum Limit shown on the Schedule of Benefits for Covered Emergency Evacuation Expenses incurred if the Insured suffers an Injury or emergency Sickness that warrants his or her emergency evacuation while on a Trip provided a Physician has ordered the emergency evacuation and has certified that the severity of the Insured’s Injury or emergency Sickness warrants such evacuation.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Financial Default

"Financial Default" means the total cessation of operations due to insolvency, with or without the filing of a bankruptcy petition by a tour operator, cruise line, or airline provided the Financial Default occurs more than 14 days following an Insured's effective date for the Trip Cancellation Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom you purchased travel arrangements supplied by others.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Flight Guard®/ Flight Accident Coverage

The Insurer will pay for the Insured’s covered accidental loss of life, hand, foot, or sight which occurred:

1. while he or she was riding as a passenger on or boarding or alighting from a Scheduled Air Carrier, and
2. within 365 days of the accident.

Inclement weather

"Inclement Weather" means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier. With respect to an Insured who is traveling via private/non-commercial automobile transportation, any severe weather condition which prevents an Insured from reaching the Destination.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Medical Evacuation

Medical Evacuation — Arrangements for any and all means necessary to transport the Insured back home when medically necessary.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Medical Expense Coverage

The Insurer will reimburse the Reasonable and Customary Charges for Medically Necessary Covered Expenses incurred by the Insured due to an Injury or Sickness within one year from the date of Injury or Sickness provided initial treatment was received during the Trip up to the Maximum Limit shown in the Schedule of Benefits.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Pre-Existing Condition

Any injury or illness you have and sought medical treatment for within 60 days before your travel insurance policy becomes effective

The Insurer will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition of you, traveling companion, business partner or Immediate Family Member which, within the 60 day period immediately preceding and including your coverage effective date: first manifested itself or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or for which care or treatment was given or recommended by a Physician; or required the taking of prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the prescription drugs or medicines.The Insurer will waive this exclusion if the Insured meets the following conditions:

1. You purchase the program within 15 days of making the initial Trip payment;
2. The amount of Trip

Cancellation coverage purchased at that time equals the full cost of all pre-paid non-refundable trip arrangements. The cost of any subsequent arrangement(s) added to the same Trip must be insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s). Failure to do so may affect the pre-existing medical condition waiver coverage;

3. You must be medically able to travel when plan cost is paid; and
4. Applies to the first $50,000 of Trip cost per person

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Primary Residence

the Insured’s primary city and location of residence

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Renters Collision

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law. If the Insured rents a car from a licensed auto rental company while on his/her Trip, and the car is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of this benefit up to the Maximum Limit shown on the Schedule of Benefits subject to a $250 deductible:

1. the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
2. the Actual Cash Value of the car. Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

Terrorism

"Terrorist Incident" means an act of violence, 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, 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.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Trip Cancellation

Having to cancel your trip due to illness, death, or injury

The Insurer will reimburse the Insured, as described below, if a Trip is canceled or interrupted for the Insured due to any of the following Unforeseen circumstances:

1. Sickness, Injury, or death of an Insured, Immediate Family Member, Traveling Companion, or Business Partner. Injury or Sickness must be so disabling as to reasonably cause a Trip to be canceled or interrupted;
2. Inclement Weather causing delay or cancellation of travel;
3. Strike resulting in complete cessation of travel services at the point of departure or Destination. A Strike is foreseeable on the date labor union members vote to approve a Strike and is not covered under the policy;
4. the Insured’s principal residence or Destination being made Uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary;
5. the Insured or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
6. a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival. "City" means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace;
7. Financial Default of an airline, cruise line, or tour operator resulting in the complete cessation of services. Financial Default occurring on or before the Insured’s coverage effective date or less than fourteen days after the Insured’s coverage effective date will not be covered. This coverage applies only if insurance was purchased within fifteen calendar days of Initial Trip payment. (Day one is the date the initial Trip payment is received.);
8. the Insured or Traveling Companion being called into active military service or having leave revoked or being reassigned;
9. Termination of employment or layoff affecting the Insured or his/her Traveling Companion; must have been with the same employer for at least five continuous years;
10. the Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to his/her departure date; or
11. being involved in or delayed due to a traffic accident en route to departure.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Trip Cancellation/Interruption Due To Work Reasons

Trip Cancellation/Interruption Due To Work Reasons coverage will be extended for these additional unforeseen circumstances if the insured or a traveling companion:

1. Is required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer;
2. Is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;
3. Company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team.

Trip Cost

Maximum Trip cost insurable is $100,000 per person.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Trip Delay

The Insurer will reimburse up to $200 a day to the Maximum Limit shown on the Schedule of Benefits if the Insured’s Trip is delayed for more than 5 hours for Reasonable Additional Expenses until travel becomes possible. Incurred expenses must be accompanied by receipts. This benefit is payable for only one delay per Insured, per Trip. Trip Delay must be caused by reasons listed under Trip Cancellation & Interruption, in addition to:

1. carrier-caused delay;
2. lost or stolen passports, travel documents, or money;
3. quarantine; or
4. Natural Disaster that causes a complete cessation of travel services at the point of departure or Destination.

The Insured Must: Contact LiveTravel (1.800.826.8597) as soon as he/she knows his/her Trip is going to be delayed more than 5 hours. Failure to do so may affect coverage.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Trip Deposit Date

The first day that any money was paid for any part of your covered travel arrangements. This includes any monies paid to a travel agent, tour operator, or arrangements purchased directly by the traveler.

The date of payment or deposit for any subsequent Trip arrangement(s).

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.

Trip Interruption

Trip Interruption Benefits: The Insurer will reimburse the Insured for the following up to the Maximum Limit shown on the Schedule of Benefits for Trips that have been interrupted due to the unforeseen events shown at the beginning of this section.

1. forfeited, non-refundable, unused prepaid payments, made prior to your departure date; and
2. additional non airline transportation expenses incurred by the Insured, either
   1. to the Return Destination; or
   2. from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip;
   or
3. Additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the departure date. However, the benefit payable under (b) and (c) above will not exceed the cost of economy airfare (or first class if the Insured’s original tickets were first class) by the most direct route, less any refunds paid or payable;
4. the Insured’s additional cost as a result of a change in the per-person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Trip is interrupted, and the Insured’s Trip is continued.

Trip Interruption / Return Air Only

Trip Interruption – Return Air Only: The Insurer will reimburse the Insured for the additional airline transportation expenses incurred by the Insured to reach the Return Destination if the Insured's Trip must be interrupted due to one of the unforeseen events shown at the beginning of this section, up to the Maximum Limit shown on the Schedule of Benefits. The Insured must: Contact LiveTravel (1.800.826.8597) as soon as he/she knows the Trip is going to be canceled or interrupted. Failure to do so may affect coverage.

Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.