• Eligibility: The person is a resident of the United States of America, or a non-resident who has purchased the coverage in the United States of America.
• Available Service: A description of all 24-Hour Emergency Assistance Services are contained in this document.
• Claim: We must be given written notice of claim within 90 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible.
• Cancel: If you are not satisfied for any reason, you may cancel coverage under the policy within 10 days after receipt. Your premium payment will be refunded.
• ID card & Visa Letter comes in email instantly.

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• Trip Cancellation: 100% of Trip Cost Insured
• Trip Interruption: 150% of Trip Cost Insured
• Missed Connection: Max limit per person $1000
• Travel Delay: Max limit per person $1000.
• Baggage Covarage: $1500.
• Baggage Delay: $500.
• 24-Hour Travel Assistance Services: Included.

Complete details are given in certificate of insurance.

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• Your or your Travelling Companion’s suicide, attempted suicide, or intentionally self-inflicted injury;
• You or your Travelling Companion being under the influence of drugs or intoxicants, unless prescribed by a Physician
• Normal pregnancy or resulting childbirth, elective abortion or fertility treatment
• Mental, nervous, or psychological disorders
• Elective Treatment and Procedures
• Any unlawful acts, committed.

Complete details are given in certificate of insurance.

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We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the Definitions section, including death that results there from.

This Exclusion does not apply provided you meet the following requirements:

• coverage is purchased prior to or within 24 hours of your final Trip Payment and
• you are medically able to travel at the time the coverage is purchased; and
• you insure 100% of your prepaid Trip costs that are subject to cancellation penalties or restrictions.

PRE-EXISTING CONDITION means a Sickness or Injury during the 180-day period immediately prior to your effective date for which you or your Traveling Companion: (1) received, or received a recommendation for, a diagnostic test, examination, or medical treatment; or (2) took or received a prescription for drugs or medicine. Item 2 of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 180-day period before coverage is effective under this Policy.

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If you are not satisfied for any reason, you may cancel coverage under the policy within 10 days after receipt. Your premium payment will be refunded, provided that there has been no incurred covered expense and you have not left on your Trip. Return the Description of Coverage to us at the Program Administrators office or our authorized agent. After this 10-day period, the payment for this coverage is nonrefundable.

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Upon receipt of a notice of claim, we will furnish to you all forms for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice you shall be deemed to have complied with the requirements as to proof of loss upon submitting, within the time fixed in the description of coverage for filing proofs of loss.

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