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Important Required Disclosures

Coverage available to U.S. residents of the U.S. states and District of Columbia only.  This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc. (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 15th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the Travel Retailer.

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You may obtain additional information about the features of this travel insurance plan by reviewing the Policy/Certificate, and may obtain information on the pricing of the insurance and assistance services by emailing terms@travelguard.com.

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The coverage goes into effect after the premium is paid on the effective date on the confirmation or at 12:01am on the day after the postmark, telephone purchase, fax transmission date, or online purchase confirmation date. The Insurer reserves the right to reject any enrollment.  There is no coverage for loss due to pre-existing medical conditions, unless this insurance is purchased within the required time frame to waive this exclusion. If payment is returned unpayable for any reason, the coverage becomes null and void.  Any changes to this enrollment form do not change the coverage of the policy.

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YOUR CONSENT TO ELECTRONIC DELIVERY ("Consent Statement")

Items Covered By This Consent Statement

You have the option to receive your insurance policy forms, certain legal disclosures, notices, communications and other items listed below (together, the "Covered Items"), in paper form by mail or electronically if you: give us your Consent to do so, provide us a Designated Email Address and satisfy the System Requirements below. For purposes of this Consent Statement, such Covered Items may include, at minimum: insurance forms and documents, other legal notices required to be in writing, billing inquiry communications, cancellation notices, payment due notices, and any notices of modifications to any of the above (collectively referred to as "Communications"); billing statements, billing notices, notices concerning privacy, and other items, including notices of modifications to any of the above, we provide through your billing statements (collectively referred to as "Paperless Statements"). You can elect to receive all of the Covered Items electronically. This Consent Statement covers those items you elect to receive electronically.

Consent

By agreeing to this Consent Statement, you give us your consent to electronically provide you the Covered Items and you certify you: (1) meet our System Requirements, and (2) will provide and maintain a valid Designated E-mail Address (collectively, your "Consent"). You understand that by giving us your Consent, you will not receive such Covered Items in paper form and you accept any consequence of not reviewing the Covered Items in a timely manner. Your Consent will remain in effect until you provide a Withdrawal of Consent or your membership and or coverage is terminated by either you or us.

Withdrawal of Consent

You may withdraw your Consent at any time by calling the customer service number on your fulfillment materials. Withdrawing your Consent will not affect the enforceability of any Covered Items already provided or your obligation to make payments.

Modification of Consent Terms

We reserve the right to modify these terms and conditions at our discretion. We will provide you with notice of such modification(s) electronically in a manner consistent with Methods of Providing Covered Items below. If you do not agree to the Consent Statement as modified, you must notify us of your Withdrawal of Consent before its effective date. We will tell you the effective date in the notification, and change the effective date at the top of the new Consent Statement. Failure to withdraw your Consent, or take any other required action as stated in the notification before the effective date will confirm your continued agreement to the Consent Statement as modified. Modifications to these terms will only affect our respective rights and obligations from the effective date of the modification(s) and thereafter, and/or until a subsequent version of this Consent Statement takes effect, you withdraw your Consent, or your coverage is terminated by either you or us.

Methods of Providing Covered Items

In this document, "provide" means to deliver, make available, send, notify or similar term We may provide the Covered Items electronically through, or through any combination of: (1) your Designated Email Address or (2) files, including those in PDF format, downloaded from our website. It is your responsibility to review Covered Items promptly, so you can take appropriate action.

Designated E-mail Address

You certify the e-mail address you provide for a Designated Card is your e-mail address, and you want us to use it to provide Covered Items electronically ("Designated E-mail Address"). You agree to maintain each Designated E mail Address until you provide us with a new one by calling the customer service number on the fulfillment materials. If you authorize someone else to access your Designated E mail Address, you agree to tell them to share Covered Items with you promptly, and you accept the risk that they will see your sensitive information.

Access to Paper Copies

You can request paper copies of Covered Items by calling the customer service number. We retain copies of these Covered Items for the time periods required by law and will provide you with copies of these upon request within those time periods. We do not necessarily retain copies for longer than is required by law. Save or print copies of Covered Items to ensure you have them when needed.

Our Right to Send Paper

We reserve the right to provide Covered Items in paper form at all times at our discretion even if you have given us Consent to provide them electronically. For example, but without limitation, we may do this if we have a system outage, if we suspect fraud, or if for any reason your Designated E mail Address does not accept emails from us.

System Requirements

To access and retain the Covered Items, you must have a working e-mail address and a computing or communications device with: working Internet access, a Web browser that supports 128-bit encryption (such as Firefox®, Internet Explorer®, or Safari®), 16 MB of available memory (32 MB of RAM recommended) and a program that can view, save and print PDF files (such as Adobe® Reader® 4.0 or higher). By providing us your Consent, you certify you meet all of the above System Requirements.

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For New York residents:

Travel Guard is an insurance producer licensed by the State of New York. Insurance producers are authorized by their license to confer with insurance purchasers about the benefits, terms and conditions of insurance contracts; to offer advice concerning the substantive benefits of particular insurance contracts; to sell insurance; and to obtain insurance for purchasers. The role of the producer in any particular transaction typically involves one or more of these activities.  Compensation will be paid to the producer, based on the insurance contract the producer sells. Depending on the insurer(s) and insurance contract(s) the purchaser selects, compensation will be paid by the insurer(s) selling the insurance contract or by another third party. Such compensation may vary depending on a number of factors, including the insurance contract(s) and the insurer(s) the purchaser selects. In some cases, other factors such as the volume of business a producer provides to an insurer or the profitability of insurance contracts a producer provides to an insurer also may affect compensation.  The insurance purchaser may obtain information about compensation expected to be received by the producer based in whole or in part on the sale of insurance to the purchaser, and (if applicable) compensation expected to be received based in whole or in part on any alternative quotes presented to the purchaser by the producer, by requesting such information from the producer.

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