Plan Administrator: USI Affinity Travel Insurance Services | AM Best Rating: A+ "Superior" | Underwriter: Lloyd's of London

• Eligibility: For whom any required enrollment form has been completed the one who is covered under the Policy.
• EffectiveDate: Trip Cancellation and Cancel for Any Reason coverages will be effective at 12:01 a.m. Standard Time on the date following payment to the Company of any required plan cost.
• TerminationDate: Trip Cancellation and Cancel for Any Reason coverages end on the earlier of: (a) the cancellation of the Insured’s Trip; or (b) the date and time the Insured starts on his/her Trip.
• ExtensionofCoverage:All coverages, except Trip Cancellation and Cancel for Any Reason, will be extended, if: the Insured's entire Trip is covered by the plan; the Insured's return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay.
• ADDITIONALBENEFIT: In addition to the above covered expenses, if the Company has previously evacuated an Insured to a medical facility, the Company will reimburse the Insured his/her airfare costs, less refunds from the Insured’s Unused transportation tickets, from that facility to the Insured’s Return Destination or home, within one year from the Insured’s original Return Date.
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• Trip Cancellation: Trip Cost
• Trip Interruption: 100% Trip Cost
• Travel Delay: Min 12 hours Delay $100 / day Max: $500.
• Missed Connection: $500
• Accident & Sickness: $50,000
• Baggage Delay: $100

Complete details are given in certificate of insurance.

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• Intentionally self-inflicted Injury, suicide, or attempted suicide of the Insured, Family Member, Traveling Companion or Business Partner.
• Normal Pregnancy or Childbirth, other than Unforeseen Complications of Pregnancy, or elective abortion of the Insured.
• War or act of war, whether declared or not, participation in a civil disorder.
• Mental, Nervous or Psychological Disorder.
• Traveling for the purpose of securing medical treatment.

Complete details are given in certificate of insurance.

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The Pre-Existing Medical Condition Exclusion is deleted in its entirety and replaced with the following language: The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition of an Insured, which, within the 180 day period immediately preceding the Insured’s coverage effective date: (a) would have prompted an ordinarily prudent person to seek medical advise, diagnosis, care or treatment; or (b) for which medical advice, diagnosis, care or treatment was given or recommended by a Physician.

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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.

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