Plan Administrator: Trawick International | AM Best Rating: A "Excellent" | Underwriter: United States Fire Insurance Company

• Early Purchase provisions :  After your initial deposit/payment for your airline tickets, you have up to 10 days to purchase coverage to obtain the Pre-Existing Conditions Exclusion Waiver.
• Eligibility : Age 14 days to 80 yrs traveling Outside home country
• Renew: Non- Renewable
• Trip Coverage: Maximum Trip Length 90 Days
• Pre-Existing Condition : The 60 day Pre-Existing Conditions Exclusion found in this Plan is waived if coverage is purchased within 10 days of your initial payment/deposit of your airline ticket, purchase coverage for the full amount of your trip.

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PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

The 60 day Pre-Existing Conditions Exclusion found in this Plan is waived if coverage is purchased within 10 days of your initial payment/deposit of your airline ticket, purchase coverage for the full amount of your trip and you are medically able to travel on your effective date.

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• The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier, Flight Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation, Repatriation of Remains and Collision Damage Waiver:

  Loss caused by or resulting from:

  • Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains);
  • suicide, attempted suicide or any intentionally self-inflicted injury while sane or insane (unless results in the death of a non-traveling Family Member);
  • intentionally self-inflicted injuries;
  • war, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;
  • participation in any military maneuver or training exercise or any Loss starting while You are in the service of the armed forces of any country. Orders to active military service for training purposes of two months or less will not constitute service in the armed forces;
  • piloting or learning to pilot or acting as a member of the crew of any aircraft;
  • mental or emotional disorders, unless Hospitalized;
  • participation as a professional in athletics;
  • participation in underwater activities (does not include recreational swimming);
  • being under the influence of drugs or intoxicants, unless prescribed and used in accordance with the instructions provided by a Physician, unless results in the death of a non-traveling Family Member;
  • commission or the attempt to commit a dishonest, fraudulent or criminal act;
  • participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;
  • dental treatment except as a result of an injury to Sound Natural Teeth within twelve (12) months of the injury;
  • any non-emergency treatment or surgery, routine physical examinations, hearing aids, eye glasses or contact lenses;
  • pregnancy and childbirth (except for complications of pregnancy);except if Hospitalized;
  • curtailment or delayed return for other than covered reasons;
  • traveling for the purpose of securing medical treatment;
  • services not shown as covered;
  • directly or indirectly, the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive material, gas, matter or contamination;
  • confinement or treatment in a government Hospital; however the United States government may recover or collect benefits under certain conditions;
  • care or treatment that is not Medically Necessary;
  • care or treatment for which compensation is payable under Worker’s Compensation Law, any Occupational Disease law; the 4800 Time Benefit plan or similar legislation;
  • care or treatment that is payable under any Other Insurance policy;
  • Accidental Injury or Sickness when traveling against the advice of a Physician;
  • cosmetic surgery except for: reconstructive surgery incidental to or following surgery for trauma, or infection or other covered disease of the part of the body reconstructed, or to treat a congenital malformation of a child.

  The following exclusions apply to Baggage/Personal Effects and Baggage Delay:

  The Company will not provide benefits for any Loss or damage to:

  • animals;
  • automobiles and automobile equipment;
  • boats or other vehicles or conveyances;
  • trailers;
  • motors;
  • motorcycles;
  • aircraft;
  • bicycles (except when checked as baggage with a Common Carrier);
  • household effects and furnishing;
  • antiques and collector’s items;
  • eyeglasses, sunglasses or contact lenses;
  • artificial teeth and dental bridges;
  • hearing aids;
  • artificial limbs and other prosthetic devices;
  • prescribed medications;
  • keys, cash, stamps, securities and documents;
  • tickets;
  • credit cards;
  • professional or occupational equipment or property, whether or not electronic business equipment;
  • personal computers, cell phones, computer hardware or software;
  • sporting equipment if loss or damage results from the use thereof.
  • musical instruments;
  • retainers and orthodontic devices.

  Any Loss caused by or resulting from the following is excluded:

  • breakage of brittle or fragile articles;
  • 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;
  • war or any act of war whether declared or not;
  • theft or pilferage while left unattended in any vehicle;
  • mysterious disappearance;
  • property illegally acquired, kept, stored or transported;
  • insurrection or rebellion;
  • imprudent action or omission;
  • property shipped as freight or shipped prior to the Scheduled Departure Date.

  The following exclusions apply to Collision Damage Waiver:

  • Any obligation You assume under any agreement (except insurance collision Deductible);
  • Rentals of trucks, campers, trailers, off-road or four-wheel drive vehicles, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;
  • Any Loss that occurs if You are in violation of the rental agreement;
  • Failure to report the Loss to the proper local authorities and the rental car company;
  • Damage to any other vehicle, structure or person as a result of a covered Loss.

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You may cancel this Policy by giving Trawick International written notice of cancellation on the earlier of: (a) 10 days from the date your policy is purchased; or (b) prior to your scheduled departure date. If you do this, We will refund your premium paid provided you have not filed a claim under this Policy.

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