TRAVEL
Trip Cancellation	Trip Cost*
Trip Interruption	100% of Trip Cost* Limit. If Trip Cost is $0, up to $1,000
Single Occupancy Supplement	Trip Cost*
Trip Delay	Minimum 12 hours delay. $100 per day, maximum of $500
Missed Connection	Minimum 3 hours delay. Maximum of $500
* Up to the lesser of the trip cost paid or the non-refundable cancellation penalty(ies) imposed by the travel supplier(s). Note: If the Insured purchases the $0 category- there is no Trip Cancellation. All other benefits apply
ACCIDENT & HEALTH
Emergency Accident and Emergency Sickness Medical Expense	$0 Deductible Maximum of $100,000 Emergency Dental Treatment maximum of $750
Accidental Death & Dismemberment	$25,000 Principle Sum
Coma	Maximum of $50,000; 1% per month
Felonious Assault	$10,000
EMERGENCY TRAVEL
Emergency Medical Evacuation and Medically Necessary Repatriation	Maximum of $100,000
Bedside Traveling Companion	Included in Emergency Medical Evacuation and Medically Necessary Repatriation
Return Insured Home	Included in Emergency Medical Evacuation and Medically Necessary Repatriation
Return Minor Child(ren)	Included in Emergency Medical Evacuation and Medically Necessary Repatriation
Transportation of Spouse or Domestic Partner	Included in Emergency Medical Evacuation and Medically Necessary Repatriation
Return of Mortal Remains	Maximum of $50,000
Political Evacuation	Maximum of $100,000
PROPERTY COVERAGES
Baggage Delay (Outward Journey Only)	Minimum 12 hour delay $100 per day, maximum of $200
Baggage Delivery (Outward Journey Only)	Maximum of $100
Baggage / Personal Effects	$0 Deductible Maximum of $2,500 Per Item Limit: $250 Described Valuables: $500
Sports Equipment Rental Coverage	Maximum of $500
Personal Liability	Maximum of $100,000

The following exclusions apply to Trip Cancellation, Trip Interruption, Single Occupancy Supplement, Trip Delay, Missed Connection, Emergency Accident and Sickness Medical Expense, Coma, Felonious Assault, Emergency Medical Evacuation and Medically Necessary Repatriation, Return of Mortal Remains, Baggage Delay / Baggage Delivery, and Baggage and Personal Effects. Loss caused by or resulting from:

• Pre-Existing Conditions (this exclusion does not apply to Emergency Medical Evacuation and Medically Necessary Repatriation, and Return of Mortal Remains);
• Commission or the attempt to commit a criminal act by You, Your Traveling Companion, or Your Family Member, whether insured or not;
• Claims not received by Seven Corners within ninety (90) days of the date of service;
• Charges for Treatment which exceed Usual, Reasonable and Customary charges; or Charges incurred for Surgeries or Treatments which are Investigational, Experimental, or for research purposes; expenses which are nonmedical in nature;
• Dental treatment except as a result of an Accidental Injury to sound natural teeth;
• Pregnancy and childbirth (except for Complications of Pregnancy) except if hospitalized;
• Expenses incurred as a result of being under the influence of drugs or intoxicants, unless prescribed by a Physician;
• Treatment in connection with alcohol, drug or chemical abuse, misuse, illegal use, overuse or dependency or use of any drug or narcotic agent; Injury sustained while under the influence of or Disablement due wholly or partly to the effects of intoxicating liquor, chemicals, or drugs or narcotic agent, unless administered under the advice of a Physician and said narcotic agent was taken in accordance with the proper dosing as directed by the Physician;
• Mental or emotional disorders, unless hospitalized;
• Participating in professional athletics, including but not limited to the event, games, practice, conditioning and any other activity related to professional athletics;
• Participation in any military maneuver or training exercise, police service, or any loss while You are in the service of the armed forces of any country. Orders to active military service for training purposes of 2 months or less will not constitute service in the armed forces. Upon notice to Us of entering the armed forces, We will return to You pro-rata any premium paid, less any benefits paid, for any period during which You are in such service;
• War, hostilities or warlike operations (whether war be declared or not), Invasion, Act of an enemy foreign to the nationality of the Insured Person or the country in, or over, which the act occurs, Civil war, Riot, Rebellion, Insurrection, Revolution, Overthrow of the legally constituted government, Civil commotion assuming the proportions of, or amounting to, an uprising, Military or usurped power, Explosions of war weapons, Utilization of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined, Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the Insured Person whether war be declared with that state or not. For the purpose of this Exclusion;
  i. Utilization of Nuclear weapons of mass destruction means the use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals.
  ii. Utilization of Chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals.
  iii. Utilization of Biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which are capable of causing incapacitating disablement or death amongst people or animals.
  Also excluded hereon is any Loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing, or suppressing any, or all, of the situations described above. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect;
• Terrorist Activity. For the purpose of this Exclusion, Terrorist Activity means an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist Activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of Terrorist Activity can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s).The Company shall not be liable for and will not provide coverage or benefits for any claim or charges, Sickness, Injury or other consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to or arising in connection with any act of Terrorism; and provided, further, the Company shall not be liable for and will not provide any coverage or benefits for any claim, charges, Sickness, Injury or other consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to or arising in connection with the following: a) The Insured Person’s direct or indirect involvement in the Terrorist Activity. b) The Terrorist Activity takes place in a country or location where the United States government has issued a travel warning that has been in effect within the six (6) months prior to the Insured Person’s date of arrival. c) The Insured Person unreasonably fails or refuses to depart a country or location following the date a warning to leave that country or location is issued by the United States government. (This exclusion does not apply to Trip Interruption or Trip Cancellation.)
• Participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;
• Injury sustained while taking part in bodily contact sports; Mountaineering, hang gliding, paragliding, Parachuting, paragliding, zip lining, parasailing, bungee jumping, racing by any animal or motor vehicle or motorcycle, snowmobiling, motorcycle/motor scooter riding (whether as a passenger or driver), scuba diving involving underwater breathing apparatus (unless SSI, PADI or NAUI certified), water skiing, wakeboard riding, jet skiing, skydiving; spelunking or caving; helicopter skiing; extreme skiing; rock climbing; windsurfing, snow skiing and snowboarding
(except for recreational downhill and/or cross country snow skiing or snowboarding. No cover provided while skiing/boarding in any violation of applicable laws, rules or regulations, away from prepared and market in-bound territories; and/or against the advice of the local ski school or local authoritative body); and any sport or athletic activity which is undertaken for thrill seeking and exposes the Plan Participant to abnormal or extreme risk of Injury;
• Treatment paid for or furnished under any other individual, government, or group policy or charges provided at no cost to the Insured Person;
• Piloting or learning to pilot or acting as a member of the crew of any aircraft;
• Services not shown as covered;
• Curtailment or delayed return for other than covered Unforeseen reasons;
• Any failure of a provider of travel related services (including any Travel Supplier) to provide the bargained-for travel services or to refund money due You;
• Suicide, attempted suicide or any intentionally self-inflicted Injury while sane or insane committed by You, Your Traveling Companion or Your Family Member, whether or not insured;
• Services, supplies, or Treatment prescribed, performed or provided by a Relative of the Insured Person or any family member of the Insured Person or anyone who lives with the Insured Person. This includes but is not limited to prescription medication and any diagnostic testing;
• Expenses incurred during a hospital emergency room visit which is not of an emergency nature;
• Expenses incurred for which travel was undertaken to seek Medical Treatment for a condition;
• Expenses for Custodial Care, whether recommended by a Physician or not;
• Expenses incurred after the Insured Person’s Physician has limited or restricted travel;
• Medical expenses incurred while the Insured Person is in their Home Country;
• Diagnosis and or Treatment of venereal disease, including all sexually transmitted diseases and conditions and any and all consequences thereof;
• Tuberculosis, severe acute respiratory syndrome or other chronic airborne pathogen;
• Your participation in civil disorder, riot or a felony;
• Expenses which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician; or
• Any non-emergency Treatment or Surgery, routine physical examinations, hearing aids, eye glasses or contact lenses;
• Treatment, services or supplies that are not administered by or under the supervision of a Physician and products that can be purchased without a doctor’s prescription;
• 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.

The following exclusions apply to Accidental Death & Dismemberment, as the result of:

• Disease of any kind; Bacterial infections except pyogenic infection which shall occur through an Accidental cut or wound;
• Hernia of any kind;
• Injury sustained while You are riding as a pilot, student pilot, operator or crew member, in or on, boarding or alighting from, any type of aircraft;
• Injury sustained while You are riding as a passenger in any aircraft (a) not having a current and valid Airworthy Certificate and (b) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
• Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with:
  (a) war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war;
  (b) mutiny, riot, strike, military or popular uprising insurrection, rebellion, revolution, military or usurped power;
  (c) any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence;
  (d) martial law or state of siege or any events or causes which determine the proclamation or maintenance of martial law or state of siege (hereinafter for the purposes of this Exclusion called the “Occurrences”). Any consequence happening or arising during the existence of abnormal conditions (whether physical or otherwise), whether directly or indirectly, proximately or remotely occasioned by, or contributed to by, traceable to, or arising in connection with, any of the said Occurrences shall be deemed to be consequences for which the Underwriter shall not be liable under this Policy except to the extent that the Insured Person shall prove that such consequence happened independently of the existence of such abnormal conditions;
• Service in the military, naval or air service of any country and while on duty as a member of a police force or unit;
• Flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing or endurance tests;
• Flying in any rocket-propelled aircraft;
• Flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing or any experimental purpose;
• Flying in any aircraft which is engaged in any flight which requires a special permit or waiver from the authority having jurisdiction over civil aviation, even though granted;
• Sickness of any kind;
• Being under the influence of alcohol or having taken drugs or narcotics unless prescribed by a legally qualified Physician or Surgeon;
• Injury occasioned or occurring while You are committing or attempting to commit a felony or to which a contributing cause was You being engaged in an illegal occupation;
• While riding or driving in any kind of competition;
• Pregnancy, childbirth, miscarriage or abortion;
• This plan does not insure against loss or damage (including death or Injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act.
• Any expense related to Bankruptcy and/or Default of Your Travel Supplier.

The following exclusions apply to Baggage Delay / Baggage Delivery, Baggage / Personal Effects, and Sports Equipment Rental Coverage. We will not provide benefits for any loss or damage to:

• animals;
• automobiles and automobile equipment;
• boats or other vehicles or conveyances;
• trailers, motors, motorcycles, or aircraft;
• bicycles (except when checked as Baggage with a Common Carrier);
• eye glasses, sunglasses or contact lenses;
• artificial teeth and dental bridges;
• hearing aids;
• prosthetic limbs;
• keys, money, stamps, securities and documents;
• tickets;
• art objects and musical instruments;
• consumables including medicines, perfumes, cosmetics, and perishables;
• professional or occupational equipment or property, whether or not electronic Business Equipment;
• telephones, computer or software; or
• property illegally acquired, kept, stored or transported.

The following exclusions apply to Baggage Delay / Baggage Delivery, Baggage / Personal Effects, and Sports Equipment Rental Coverage. Any loss caused by or resulting from the following is excluded:

• 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;
• radioactive contamination;
• war or any act of war whether declared or not;
• property shipped as freight or shipped prior to the Scheduled Departure Date.
• delay or loss of market value;
• indirect or consequential loss or damage of any kind;
• theft or pilferage while left unattended in any vehicle if the vehicle is not property secured;
• electrical current including electric arching that damages or destroys electrical devises or appliances;
• mysterious disappearance;
• confiscation or expropriation by order of any government.

For Trip Interruption, this Insurance does not cover: (1) war or any act of war, whether declared or not; participation in a felony, riot or insurrection; participation in contests of speed; a Pre-existing Condition existing prior to the Insured’s departure from their Home Country that has the likelihood of causing death; the Insured Person or Traveling Companion or Traveling Companion’s family making changes to personal plans; having business or contractual obligations; being unable to obtain necessary travel documents (passports, visas, etc.); being detained or having property confiscated by customs authorities; carrier caused delays (including bad weather); prohibition or regulatory by any government; default of yacht charter companies; default of the organization from which the Insured Person purchased their trip arrangements. All costs not arranged by Seven Corners Assist.

For Political Evacuation, this Insurance does not cover: 1) Losses recoverable under any other insurance or through an employer; 2) Losses arising from or attributable to a) dishonest or criminal acts committed or attempted by the Insured, b) alleged violation of the laws of the Host Country, unless the Company determines such allegations to be fraudulent, or c) failure to maintain required documents or visas; 3) Losses attributable to a) debt, insolvency, commercial failure, or the repossession of any property, b) Insured's non-compliance with a contract or license or c) implementation of illegally contributed exchange rates; 4) Losses due to liability assured by the Insured under any contract. 5) All costs not arranged by Seven Corners Assist.

For Personal Liability: You shall have no benefits or coverages for, and Underwriters shall have no liability or obligation of any kind to pay or reimburse You or any Third Person or Related Third Person for, any changes, fees (including attorneys’ fees), costs, expenses, damages, losses, judgments, claims or other liabilities incurred or sustained by or assessed against You or any Third Person or Related Third Person, if directly or indirectly relating to, arising from or in connection with any of the following acts, omissions, events, conditions, charges, consequences, occurrences or circumstances, all of which are expressly excluded from coverage under this Insurance and all of which Underwriters will provide no benefits or coverages for and shall have no liability or obligation for same, and Underwriters will not pay or reimburse You or any Third Person or Related Third Person for any claims of any kind arising directly or indirectly from, happening through or as a consequence of:

• Any damages, losses or claims caused in whole or in part by You during any hunt or as a result of hunting.
• Any criminal, fraudulent, deceptive, willful, reckless, malicious or other unlawful acts or omissions committed by You, or any acts or omissions committed by You in connection with the violation or breach of any laws, statutes, ordinances, legal orders, rules or regulations to which You are subject or by which You are bound.
• Any loss, damage or claim arising or resulting from the use of any firearms, fireworks, explosives, welding equipment, propane tanks, or other flammables, deadly weapons or hazardous implements.
• The pursuit of any trade, business, profession or employment activity.
• Ownership, possession, control or occupation of any land or building.
• Ownership, possession, control or use of any automobile, motorcycle, ATV, off-road vehicle, watercraft, aircraft, parachute, parasail, glider or any other motorized, gravity-induced, or self-propelled vehicle or craft of any kind.
• Resulting from any fire, flood, wind, hail, water leak, gas leak, explosion or other catastrophe or loss occurring in or about the residence or premises of any Related Third Person, or in or about the residence or any other premises of which You are the owner, lessee, invitee, licensee, occupant or resident, or in or about any residence or premises which are contiguous or adjacent to any of the foregoing residences or premises.
• The consequences of any breach, violation or failure to perform any contractual undertakings or obligations of the Member, whether verbal or in writing.
• Criminal or disciplinary proceedings, charges, arrests, indictments, or arraignments of any kind.
• Shoplifting, vandalism, theft, conversion, misappropriation, public drunkenness, fighting or brawling, arson, or any malicious or intentional activity resulting in personal injury or destruction of property.
• Gross negligence, fraud, bad faith, assault and battery, domestic disputes, and all other intentional torts or actions based or sounding in tort without regard to how named or presented.
• Any collusion, conspiracy, deceit or other fraudulent scheme or artifice to defraud or other fraudulent means or methods.
• Fines, penalties, assessments or claims by any governmental authorities or regulatory bodies, including traffic fines or traffic violations or parking tickets, and the costs, fees or expenses incurred by You as a witness, custodian, or in any other non-party status in connection with responding to any order to appear in court, subpoena, subpoena duces tecum, notice of deposition, or any other nonparty legal or administrative proceeding or activity.
• All non-compensatory damages, including without limitation, damages imposed as a punishment, punitive or exemplary damages, consequential damages, lost profits, criminal damages, excessive damages, expectancy damages, incidental damages, liquidated damages, presumptive damages, prospective damages, special damages, speculative damages, statutory damages, double, treble or other multiples of damages, and/or unliquidated damages, and all claims and damages for pain and suffering, loss of consortium, physical discomfort, mental or emotional distress, trauma, disfigurement, dismemberment, loss of use, or scarring.
• Contractual or employer’s liability or workman’s compensation claims.
• Animals or pets belonging to You or any Related Third Person, or in the care, custody or control of You or any Related Third Person.
• Intentionally committed acts caused or brought about by You.
• Arising or occurring while You are to any extent under the influence of alcohol or drugs, or due to Your use of drugs, prescription medicines, narcotics or tranquilizers not medically prescribed for You by a licensed physician.
• Caused by suicide or attempted suicide of You.
• Participation of You in gambling, gaming, or betting of any kind.
• Participation of You in any fights, brawls, criminal activity or other unlawful activity.
• During the practice or participation of sports, recreational endeavors, or athletic activities either as a professional, amateur or novice, unless performed solely for recreational purposes or during high school activities.
• Hazardous sports of any kind, including but not limited to, American football, boxing, bungee jumping, Mountaineering, martial arts, skiing beyond one’s abilities, outside of marked boundaries, in violation of rules or regulations, or on unmarked slopes, sky diving, scuba diving, hang gliding, ski jumping, bobsledding, offshore boating, caving and spelunking, polo, fighting sports, Parachuting, hunting, piloting an aircraft, wind-surfing, professional sporting activities of any kind, racing activity of any kind, and any attempt to make or set sporting records.
• Occurring when You are a passenger in an aircraft other than a commercial aircraft.
• War, military action or terrorism as defined herein.
• Thermal, mechanic, radioactive and other effects due to any modification of the atomic structure of matter or the artificial acceleration of atomic particles or due to radiation from radio-isotopes, or the use of nuclear or chemical materials.
• Judgments or damage awards that have not been ordered, declared or entered within twelve (12) months from the date of the act, omission, occurrence or event causing personal injury or property damage, or within twelve (12) months from the date of termination of group coverage under a Policy issued under the Master Policy, whichever is earlier.
• Any lawsuit, claim for benefits, enforcement action, complaint, or other civil or administrative proceeding of any kind brought by or on behalf of You or any Third Person or Related Third Person against Underwriters, the Administrator, and/or the Participating Organization, including without limitation any lawsuit or proceeding alleging breach of contract, bad faith, or any tortuous conduct of any kind, seeking equitable or declaratory relief, or otherwise seeking the recovery, enforcement or effectuation of any benefits or coverages under this Insurance.
• Any loss, personal injury, property damage or other claim arising or resulting from any act, omission, failure to act, event or other occurrence committed or occurring at any time prior to or subsequent to the Period of Coverage.
• Any personal injury, medical expense, damage or other loss suffered by a Related Third Person, except for damage to a Related Third Person’s personal property which shall be limited to put a maximum of $2,500 and subject to the per Injury/Sickness Deductible set forth in the SCHEDULE OF BENEFITS.

Pre-Existing Condition means any Accidental Injury, Sickness or condition of You, Your Traveling Companion, or Your Family Member booked to travel with You for which medical advice, diagnosis, care or treatment was recommended or received within the 60 day period ending on the Effective Date. Sicknesses or conditions are not considered pre- existing if the Sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.

We will pay a benefit, up to the maximum shown on the SCHEDULE OF BENEFITS, if You are prevented from taking Your Covered Trip due to any of the Unforeseen events listed below and takes place after the Effective Date. We will pay You for the following:

• The amount of forfeited, non-refundable, and unused Payments or Deposits that You paid for the Covered Trip.
• Additional cost incurred if the Travel Supplier cancels Your Covered Trip for a covered reason and You elect to replace that Travel Supplier with a different Travel Supplier.
• If Your Travel Supplier cancels Your Covered Trip, We will pay up to $75.00 for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Covered Trip including the airfare.
• Airfare cancellation charges for flights in connection with Your Covered Trip.
• If You used frequent traveler awards (frequent flyer miles or Hotel/Motel rewards) for any part of a Covered Trip, We will pay the fees incurred by You for re-depositing those awards in Your account if the Covered Trip is canceled for any of the reasons described below. This does not increase the total benefits payable under this Trip Cancellation benefit as stated in the Schedule of Benefits.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the Maximum Benefit shown on the SCHEDULE OF BENEFITS. Coverage does not include Default of a Travel Supplier or other organization that results in loss of services.

SPECIAL CONDITIONS: You must advise the Travel Supplier and Us as soon as possible in the event of a claim. We will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier and Us as soon as reasonably possible.

Claim forms and receipts for medical expenses should be sent to Seven Corners quickly. Claim submissions must be made within 90 days after the date of service. Visit sevencorners.com/claims to learn more