Plan Administrator: Seven Corners | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London & Tramont Insurance Company Ltd.

• Eligibility: US Citizen/ Non-US Citizen Age 0-99 travelling outside their country of citizenship.
• Coverage Length: Minimum 1 day to max 90 days (Travelers age 81 and older may not purchase coverage for trip longer than 30 days).
• Protect Your Investment – should a sudden illness prevent you from taking your trip of a lifetime, don’t lose everything you spent on your trip.
• Protect Your Health - If you become sick or injured while traveling, your health insurance here at home may not cover it.
• Protect Your Belongings – You bought a new wardrobe for this trip. Make sure you can replace it if it is stolen or damaged during your trip.
• ID card & Visa Letter comes in email instantly

Benefit Per Trip	Per Person Limit
Trip Cancellation	Up to Tour Cost maximum
Trip Interruption	150% of Tour Cost maximum
Trip Delay	$1,000
Missed Connection (Cruise Departures)	$1,000
Emergency Accident & Sickness Medical Expense (secondary coverage)	$150,000
Medical Evacuation / Repatriation	$1,000,000
Lost Baggage / Personal Effects	$2,000
Baggage Delay(24 hours – Outward Journey)	$400
24-Hour AD&D	$10,000
Common Carrier AD&D	$25,000
Travel Assistance Services	Included
Optional Flight Accident Per Trip	$100,000, $250,000, or $500,000
Optional: Collision Damage Waiver	$35,000
Optional: Cancel for Any Reason	Up to 75% of Non-Refundable Trip Cost

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.

Pre-Existing Condition means a condition, regardless of the cause of the condition, applicable to You, a Traveling Companion, a Family Member booked to travel with You, or Your and/or a Traveling Companion's Family Member for which medical advice, diagnosis, care or treatment was recommended or received during the 6 months immediately preceding the Effective Date of the new coverage. The term does not include genetic information in the absence of a diagnosis of the condition related to such information.

All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due.