African Tour & Travel insurance coverage with comprehensive packages of travel assistance services

This is only a brief description of the coverage(s) available under policy series Travel Guard Program Policies (TGP policies). The Policy contains reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between this document and the Policy, the Policy shall govern.

PRE-EXISTING MEDICAL CONDITION EXCLUSION

APPLICABLE TO ALL COVERAGES:

The Insurer will not pay for loss or expense incurred as the result of Injury or Sickness of an Insured or Family Member which manifests itself during the 60 days immediately preceding the Effective date, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the 60-day period. A Sickness has manifested itself when medical care, treatment, or diagnosis has been given.

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER:

If insurance was purchased within 7 calendar days of initial trip payment, the Pre-Existing Medical Condition Exclusion will be waived. This is applicable to all coverages contained in the policy. In order to receive the waiver of Pre-Existing Conditions, the amount of trip cancellation coverage purchased must equal the full cost of all trip arrangements. The Insured must be medically able to travel when he/she pays his/her premium. In the event that a claim is filed, the Injury or illness must be substantiated to our Claims Department.

24-Hour Emergency Assistance

Telephone Numbers

Continental USA......1-877-248-8992

International......1-715-345-0505

Livetravel 24-Hour Assistance......1-800-826-8597

Be sure to use the appropriate country and city codes when calling.

Blanket Travel Accident Insurance

This document describes the benefits and basic provisions of the policy. The Insured should read it with care so he/she will understand the coverage. The policy is the only contract under which benefits are paid.

PLEASE READ THIS DESCRIPTION OF COVERAGE CAREFULLY!

Insurance Coverage

Underwritten by American Assurance Company, a New York insurance company, with its principal place of business at 70 Pine Street, New York, New York 10270. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19380.

Schedule of Benefits

The benefits are described in detail under “Description of Coverages.” All coverages are per person. All coverages are Primary. The benefits are only applicable if the appropriate premium has been paid and are payable based on the limits reflected on the Schedule of Benefits page. (Please see attachment.)

Definitions

“Baggage” means luggage and personal possessions, whether owned, borrowed, or rented, taken by the Insured on the trip.

“Complication of Pregnancy” means a condition whose diagnosis is distinct from pregnancy but adversely affected or caused by pregnancy. It does not include any condition associated with the management of a difficult pregnancy not consisting of a classifiable distinct Complication of Pregnancy.

“Default” means any failure of a provider of travel related services (including any tour operator) to provide the bargained-for travel services or to refund money due the Insured.

“Destination” means the place where the Insured expects to travel on his/her trip, as shown on the application.

“Doctor” means a government-licensed practitioner of the healing arts including accredited Christian Science Practitioners, acting within the scope of his/her license. The treating Doctor may not be the Insured, Family Member” or a Traveling Companion.

“Exotic Vehicle” means Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Cosworth, Citroen, Clenet, De Lorean, Excalibre, Ferrari, Fiat, Iso, Jaguar, Jensen, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, MG, Morgan, Opel, Pantera, Panther, Pininfarina, Rolls Royce, over, Stutz, Sterling, Triumph, TVR and Yugo. Please contact Travel Guard customer service at 1-800-549-9037 before renting to confirm whether the vehicle is covered.

“Family Member” means Traveling Companion(s), Insured’s or Traveling Companion’s spouse; child; parent; sibling; grandparent or child; step-parent, child or sibling; son- or daughter-in-law; parents-in-law; brother- or sister-in-law; aunt; uncle; niece or nephew; legal guardian; legal ward. It also means the Insured’s business partner. (Business Partner: Someone who is a majority stockholder, managing officer, or majority owner of the company.)

“Felonious Assault” means an act of violence against the Insured or a Traveling Companion requiring medical treatment in a Hospital. A Felonious Assault may not be inflicted by the Insured, a Family Member, Traveling Companion or Traveling Companion’s Family Member.

“Financial Default” means either (i) the complete suspension of operations due to financial circumstances, whether or not a bankruptcy petition has been filed, or (ii) a partial suspension of operations following a filing of a bankruptcy petition.

“Hospital” means a place that: (a) holds a valid license; (b) is run mainly for the care and treatment of sick or injured persons as inpatients; (c) has a staff of one or more Doctors available at all times; (d) provides 24-hour nursing service and has at least one registered nurse on duty at all times; (e) has organized diagnostic and surgical facilities, either on the premises or on a contract basis with another Hospital; and (f) is not mainly a clinic or facility for nursing, rest, or convalescence, or a place for the aged, drug addicts, alcoholics, or persons with mental or nervous disorders.

“Initial Trip Payment” means the date the first deposit is made to the Insured’s Travel Agent toward the cost of their trip.

“Injury” means a bodily Injury, caused by an Accident and resulting directly and independently of all other causes in loss covered by the policy which requires treatment by a Doctor. The Accident must happen while the Insured is covered under this policy.

“Insured” means the person named on the individual enrollment form.

“Insurer” means American Home Assurance Company.

“Medical Expenses” means Reasonable and Necessary Expenses of treatment for Injury or Sickness which are provided by a medical Doctor, dentist, or professional nurse on an emergency or urgent basis which are actually incurred by the Insured.

“Primary” means the Insurer will pay first, but reserves the right to recover from any other insurance carrier that the Insured may be enrolled with.

“Reasonable and Necessary Expenses” means the prevailing charge made by most providers of a given service in the geographic area where the service is received. In no event will the Reasonable and Necessary Expenses exceed the actual amount charged.

“Sickness” means an illness or disease which requires treatment by a Doctor.

“Strike” means a stoppage of work (a) announced, organized and sanctioned by a labor union and (b) which interferes with the normal departure and arrival of a common carrier. Included in the definition of Strike is work slowdowns and sickouts.

“Terrorist Incident” means an act of violence, other than civil disorder or riot (that is not an act of war, declared or undeclared), that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.

“Travel Agent” means the Travel Agent, tour operator, or other entity from which the Insured purchases his/her coverage or travel arrangements, and includes all officers, employees, and affiliates of the Travel Agent or tour operator.

“Traveling Companion” means a person whose name appears with the Insured’s on the same Trip arrangement and who, during the entire trip, will share accommodations with the Insured in the same room, cabin, condominium unit, apartment unit, or other lodging.

“Trip Completion Date” means the date on which the Insured is scheduled to return to the point where the trip started, or to a different specified Return Destination.

“Trip Departure Date” means the date on which the Insured is originally scheduled to leave on his/her trip. This date is shown on the Individual Application.

“Unforeseen” means not anticipated or expected and occurring after the effective date of the policy.

Individual Insurance

Persons eligible for insurance under the policy are any traveler(s) who purchases his/her insurance through or from a properly licensed agent/agency located in the U.S., who makes enrollment for coverage and pays the premium, providing he/she has not already departed on his/her trip.

Effective Date: After premium is paid by the Insured and the Enrollment Form is completed and signed, TRIP CANCELLATION BENEFIT (and Change of Mind benefit, if applicable) will be effective: (a) at 12:01 a.m. on the date after the Enrollment Form is postmarked to TRAVEL GUARD® if coverage is purchased by mail; (b) at 12:01 a.m. on the day after the Enrollment Form is phoned in to TRAVEL GUARD® if coverage is purchased via phone; (c) at 12:01 a.m. on the day after the Enrollment Form is faxed to TRAVEL GUARD® if coverage is purchased by facsimile; or (d) at 12:01 a.m. on the day after the online purchase confirmation date. All other coverages will begin on the later of: (a) the date and time the Insured starts his/her trip, or (b) the scheduled Trip Departure Date shown on the Enrollment Form.

Termination Date: All coverage ends on the earlier of: (a) the date the trip is completed; (b) the scheduled Trip Completion Date as shown on the Individual Enrollment Form; (c) the Insured’s arrival at the Return Destination on a round trip, or the Destination on a one-way trip; or (d) cancellation of the trip covered by the policy. The policy coverage trips up 365 days in length.

Extension of Coverage: All coverage under the policy will be extended, if: (a) the Insured’s entire trip is covered by the policy; and (b) the Insured’s return is delayed by unforeseeable circumstances beyond his/her control.

If coverage is extended for the above reasons, coverage will end on the earlier of: (a) the date the Insured reaches his/her Return Destination; or (b) seven (7) days after the date the trip was scheduled to be completed.

General Exclusions —

Applicable To All Coverages

These exclusions apply to all benefits. In addition to any exclusions which apply to a particular benefit (called “Additional Exclusions”), this policy does not cover loss caused by:

(a) intentionally self-inflicted harm, suicide, or attempted suicide while sane or insane;

(b) pregnancy, childbirth, or elective abortion, other than Complications of Pregnancy;

or practice for the same;

(d) mountain climbing;

(e) acts of war, whether declared or not, civil disturbance or insurrection;

(f) operating or learning to operate any aircraft, as student, pilot or crew;

(g) air travel on any air-supported device, other than a regularly scheduled airline or air charter company;

(h) loss or damage caused by detention, confiscation, or destruction by customs;

(i) any unlawful acts, committed by the Insured, a Family Member or a Traveling Companion, whether insured or not;

(j) nuclear reaction, radiation, or radioactive contamination;

(k) civil disorder or riot;

(l) mental, psychological or nervous disorders including anxiety, depression, neurosis or psychosis;

(m) if the Trip Departure Date and Trip Completion Date does not reflect the Insured’s intent to start and end his/her trip on those dates;

(n) if the Insured’s tickets do not contain specific travel dates (open tickets); or

(o) use of drug, narcotics or alcohol, unless administered upon the advise of a Doctor.

MAXIMUM LIMIT OF LIABILITY: All limits are applied per trip.

The Insurer’s maximum limit of liability resulting from the same occurrence will be $10,000,000 under the Travel Guard Program Policies (TGP Policies). If loss for all Insureds from such an occurrence exceeds $10,000,000 the Insurer will pay each Insured that proportion of the Benefits stated which $10,000,000 bears to the total loss of all persons insured under all travel and flight insurance in force, under the TGP Policies. The Insurer will pay no more than $250,000 per occurrence, under the TGP Policies, to or on account of any person insured under the TGP Policies.

Trip Cancellation & Interruption

The Insurer will pay this Primary benefit up to the Maximum Limit shown on the Schedule of Benefits if a trip is delayed, canceled, or interrupted due to any of the following Unforeseen reasons: (a) Sickness (see definition), Injury, or death of an Insured or Family Member. Injury or Sickness must be so disabling as to reasonably cause a trip to be delayed, canceled, or interrupted. (b) Financial Default of an airline, cruise line, or tour operator resulting in the complete cessation of services. Excluded is the organization from which the Insured purchased his/her trip or this coverage. Financial Default occurring on or before the effective date or less than fourteen days after the effective date will not be covered. (This coverage applies only if insurance was purchased within seven calendar days of initial trip payment.) (Day one is the initial trip payment date.); (c) Termination of employment or layoff affecting the Insured or his/her Traveling Companion; must have been with the same employer for at least five continuous years; (d) weather conditions causing delay or cancellation of travel; (e) the Insured’s home or destination being made uninhabitable by fire, flood, vandalism, burglary or natural disaster; (f) the Insured being subpoenaed, required to serve on jury duty, hijacked or quarantined; (g) being involved in or delayed due to a traffic Accident en route to departure; (h) Military Duty (the Insured having his/her leave revoked or being reassigned within 10 days of departure date); (i) the Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to his/her departure date; and (j) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival. “City” means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas or airspace.

In addition to the general exclusions, this coverage does not cover loss caused by: (i) carrier caused delays, including an announced, organized, sanctioned union labor Strike that affects public transportation, unless the policy effective date is prior to when the Strike is foreseeable. A Strike is foreseeable on the date labor union members vote to approve a Strike; (ii) travel arrangements canceled or changed by an airline, cruise line, or tour operator, unless the cancellation is the result of bad weather or Financial Default as defined; (iii) changes in plans by the Insured, a Family Member, or Traveling Companion for any reason; (iv) financial circumstances of the Insured, a Family Member, or a Traveling Companion; (v) any business or contractual obligations of the Insured, a Family Member, or a Traveling Companion, except for termination or layoff of employment as defined above; (vi) Default by the person, agency, or tour operator from whom the Insured bought his/her coverage or purchased his/her travel arrangements; (vii) any government regulation or prohibition; or (viii) an event or circumstance which occurs prior to the effective date of coverage.

Trip Cancellation Benefits: The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits for trips that are delayed or canceled before the scheduled Trip Departure Date.

The Insurer will pay for the following:

(a) forfeited, non-refundable, unused prepaid payments, or deposits if the Insured's trip is canceled due to the reasons shown at the beginning of this section.

(b) additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion's trip is canceled, and the Insured's trip is not canceled due to the reasons shown at the beginning of this section.

Trip Interruption Benefits: The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits for trips that have been interrupted or delayed, due to the reasons shown at the beginning of this section.

The Insurer will pay for the following:

(a) forfeited, non-refundable, unused prepaid payments or arrangements for the Insured's trip if the Insured's trip is interrupted; or

(b) additional transportation expenses incurred by the Insured, either (i) to the Return Destination; or (ii) from the place that the Insured left the trip to the place that the Insured may rejoin the trip; or

(c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the Trip Departure Date.

However, the benefit payable under (b) and (c) above will not exceed the cost of economy airfare (or first class if the Insured's original tickets were first class) by the most direct route, less any refunds paid or payable;

(d) the Insured's additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion's trip is interrupted, and the Insured's trip is continued.

The Insured must: Contact Livetravel (1-800-826-8597) as soon as the Insured knows his/her trip is going to be canceled or interrupted. Failure to do so may affect coverage.

TRAVEL DELAY

The Insurer will pay incurred expenses up to $200 a day to the Maximum Limit shown on the Schedule of Benefits if the Insured's trip is delayed for more than six hours for reasonable, additional accommodations and traveling expenses until travel becomes possible. Incurred expenses must be accompanied by receipts. This benefit is payable for only one delay for all Insureds. Travel Delay must be caused by reasons listed under Trip Cancellation & Interruption, in addition to: (a) carrier delay; (b) lost or stolen passport, travel documents or money; (c) quarantine; (d) natural disaster; or (e) Injury or Sickness of the Insured or Traveling Companion.

The Insured must: Contact Livetravel (1-800-826-8597) as soon as the Insured knows his/her trip is going to be delayed more than six hours. Failure to do so may affect coverage.

LOSS OF BAGGAGE & TRAVEL DOCUMENTS

The Insurer will pay this Primary (see definition) benefit, up to the Maximum Limit shown on the Schedule of Benefits. The Insurer will pay all direct loss due to Accident to the Insured's Baggage, passports, and visas during the Insured's trip. The Insurer will also pay for loss due to unauthorized use of the Insured's credit cards, if the Insured has complied with all credit card conditions imposed by the credit card companies.

Continuation of Coverage: If the covered Baggage, passports, and visas are in the charge of a charter or common carrier, and delivery is delayed, this coverage will continue until such property is delivered to the Insured. This coverage does not include loss caused by the delay.

Property Not Covered: The Insurer will not pay for damage or loss of:

(a) animals;

(b) motor vehicles, aircraft, and other conveyances;

(d) tickets, except for administrative fees required to reissue tickets;

(e) money, stamps, stocks and bonds, postal or money orders;

(f) property shipped as freight, or shipped prior to the Trip Departure Date;

(g) credit cards, except as noted above;

(h) contraband;

Special Limitation: The Insurer will not pay more than $500 for the first item and thereafter, no more than $250 per item up to the limit of coverage as defined on the Schedule of Benefits. The Insurer will not pay more than $500 aggregate on all losses to: jewelry, watches, gems, furs, cameras and camera equipment, camcorders, sporting equipment, computers, radios and other electronic items. Items over $150 should be accompanied by original receipts. If receipts are not provided, benefits may be reduced.

Additional Exclusions: In addition to the general exclusions, the Insurer will not pay this benefit for loss due to:

(a) defective materials or craftsmanship; or

(b) normal wear and tear; or

(d) rodents, animals, or insects.

Payment of Loss: The Insurer will pay the lesser of: the cost to repair an item or replace with an item of like kind and quality. The Insurer will notify the Insured within 30 days after the Insurer receives his/her proof of loss. The Insurer may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a loss to a pair or set of items, the Insurer may at our option: (a) repair or replace any part to restore the pair or set to its value before the loss; or (b) pay the difference between the value of the property before and after the loss.

BAGGAGE DELAY BENEFIT

The Insurer will pay incurred expenses up to the maximum limit shown on the Schedule of Benefits for bags which are delayed more than 24 hours for the cost of reasonable, additional clothing, and personal articles. Incurred expenses must be accompanied by receipts. This does not apply if Baggage is delayed after the Insured has reached his/her return Destination.

MEDICAL EXPENSE BENEFIT

The Insurer will pay this Primary (see definition) benefit, up to the Maximum Limit shown on the Schedule of Benefits.

The Insurer will pay for Medical Expenses incurred by the Insured within one year from the date of Injury or Sickness provided initial treatment was received during the trip. The Injury must occur or Sickness must begin while the Insured is covered by the policy.

Covered Expenses: The Insurer will pay the Insured's Reasonable and Necessary medical and surgical expenses. The Insurer will pay emergency dental treatment only during a trip. Dental coverage does not apply if treatment or expenses are incurred after the Insured has reached his/her return Destination regardless of the reason. Payment for dental expenses incurred is limited to a maximum of $500. The treatment must be given by a Doctor or dentist. The Insurer will pay for professional nursing, Hospital charges, X-ray, ambulance services, and prosthetic devices. Physical therapy will be covered up to 90 days after the Insured reaches his/her return Destination.

EMERGENCY MEDICAL

TRANSPORTATION BENEFIT

The Insurer will pay this Primary (see definition) benefit, up to the Maximum Limit shown on the Schedule of Benefits.

The Insurer will arrange for emergency medical transportation services required by the Insured as the result of an Injury or Sickness during a trip.

Covered Expenses: The Insurer will arrange and pay: (a) Reasonable and Necessary medical services required for evacuation to the nearest adequate medical facility or home if medically required. This service will be arranged only if the attending Doctor determines that adequate medical treatment is not locally available; (b) up to $5,000 for Reasonable and Necessary escort expenses required by the Insured, if the Insured is disabled during a trip and an escort is recommended, in writing, by the attending Doctor; (c) Reasonable and Necessary services for transportation of the Insured's remains to his/her place of residence if he/she dies during a trip. Service must be provided by a provider designated by us. Timely notification by the Insured to our designated provider is required.

Additional Benefit: In addition to the above covered expenses, if the Insurer has previously evacuated an Insured to a medical facility, the Insurer will pay his/her airfare costs from that facility to the Insured's Return Destination, within one year from the Insured's original Trip Completion Date, less refunds from the Insured's unused transportation tickets. Airfare costs will be economy, or first class if the Insured's original tickets are first class. This benefit is available only if it is not provided under another coverage in this policy.

Additional Exclusions: In addition to the general exclusions, the Insurer will not pay for services arranged without our prior consent or approval.

The Insurer may require autopsy where lawful. Timely notification by the Insured to our designated provider is required.

ACCIDENTAL DEATH AND DISMEMBERMENT BENEFIT

The Insurer will pay this benefit up to the Maximum Limit shown on the schedule of Benefits if: (a) the Insured is injured in an accident which happens while he/she is on a trip and covered under this certificate; and (b) he/she suffers one of the losses listed below within 365 days of the Accident.

The amount of this benefit will not pay more than the Principal Sum for all losses due to the same accident.

Percentage of Principal

Loss: Sum Payable

Life ..........................................................................................................................100%

Both hands or feet, or sight of both eyes......................................................................100%

One hand and one foot ..............................................................................................100%

One hand or one foot and sight of one eye ..................................................................100%

One hand .................................................................................................................50%

One foot ...................................................................................................................50%

Sight of one eye ........................................................................................................50%

In no event will the Insurer pay more than the Maximum benefit shown on the Schedule of Coverages for all losses due to the same accident.

If the Insured suffers more than one loss from an Accident, the Insurer will pay only for the loss with the larger benefit.

Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Additional Exclusion: In addition to the General Exclusions, the Insurer will not pay for loss caused by or resulting from illness or disease of any kind. The Insurer may require an autopsy where lawful.

FLIGHT GUARD - FLIGHT ACCIDENT BENEFIT

The Insurer will pay for covered accidental loss of life, hand, foot, or sight within 365 days of an accident while riding as a passenger on or boarding or alighting from a certified passenger Aircraft on any regularly scheduled flight or charter.

The amount of this benefit is shown below.

Percentage of Principal

Loss: Sum Payable

Life ..........................................................................................................................100%

Both hands or feet, or sight of both eyes......................................................................100%

One hand and one foot ..............................................................................................100%

One hand or one foot and sight of one eye ..................................................................100%

One hand .................................................................................................................50%

One foot ...................................................................................................................50%

Sight of one eye ........................................................................................................50%

In no event will the Insurer pay more than the Maximum benefit shown on the Schedule of Coverages for all losses due to the same accident. The Insurer may require autopsy where lawful.

If the Insured suffers more than one loss from an Accident, The Insurer will pay only for the loss with the larger benefit.

Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

COLLISION DAMAGE WAIVER

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

If the Insured rents a car while on his/her trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within the Insured’s control while in his/her possession, or the car is stolen while in the Insured’s possession and not recovered, the Insurer will pay the lesser of: (a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or (b) the actual cash value of the car.

Coverage is provided to the Insured and his/her Traveling Companion, providing the Insured and his/her Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

In addition to the General Exclusions, coverage is not provided for loss due to:

(a) any obligation the Insured or his/her Traveling Companion assume under any agreement (except insurance collision deductible); (b) rentals of trucks, campers, trailers, off-road or four wheel drive vehicles, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles; (c) any loss which occurs if the Insured or his/her Traveling Companion are in violation of the rental agreement; (d) failure to report the loss to the proper local authorities and the rental car company; or (e) damage to any other vehicle, structure or person as a result of a covered loss.

The Insured’s Duties In The Event Of Loss: The Insured must: take all reasonable, necessary steps to protect the vehicle and prevent further damage to it; report the loss to the appropriate local authorities and the rental company as soon as possible; obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number; and provide the Insurer all documentation such as rental agreement, police report and damage estimate.

CHANGE YOUR MIND COVERAGE

The Insurer will pay up to $250 for cancellation of a scheduled trip by the Insured prior to the Trip Departure Date shown on the application because of a change in the Insured's plans.

Other than this payment, no benefits are payable for loss caused by the Insured changing his/her plans. The Change Your Mind Coverage benefit will not be paid in combination with any other benefit, and is only in effect if the insurance was purchased within seven days of initial trip deposit.

PAYMENT OF CLAIMS

Claim Procedures: Notice of Claim: The Insured must call the Insurer as soon as reasonably possible, and be prepared with what coverage the loss was under (i.e. Medical Expense), the name of the company that arranged the trip (i.e. tour operator, cruise line, or charter operator), the trip dates and the amount that the Insured paid. The Insurer will complete the claim form and send it to the Insured for his/her review/signature. This completed form should be returned to Travel Guard Group, Inc., 1145 Clark Street, Stevens Point, Wisconsin 54481. (Telephone 1-715-345-0505 or 1-800-826-7791) Insurer will then send the Insured claim forms.

Claim Procedures: Proof of Loss: The claim forms must be sent back to Insurer no more than 90 days after a covered loss occurs or ends, or as soon after that as is reasonably possible. All claims under this certificate must be submitted to Travel Guard no later than one year after the date of loss or insured occurrence or as soon as reasonably possible. If Insurer has not provided claim forms within 15 days after the notice of claim, other proofs of loss should be sent to Insurer by the date claim forms would be due. This proof of loss should include written proof of occurrence, type and amount of loss.

Payment of Claims: To Whom Paid: Benefits paid on account of an Insured’s death will be paid to the beneficiary he/she has chosen. This choice must be in writing and filed with the Insurer, or filed with the Insured or Insured’s administrator if Insurer has agreed in advance. If the Insured has not chosen a beneficiary, of if there is no beneficiary alive when he/she dies, Insurer will pay this benefit:

(1) To his/her spouse, if living.

(2) If there are none, in equal shares to his/her living children.

(3) If there are none, in equal shares to his/her living parents.

(4) If there are none, in equal shares to his/her living brothers

and sisters.

(5) If there are none, to his/her estate.

If a benefit is payable to the Insured’s estate, or to a minor or other person who is incapable of giving a valid release, Insurer may pay up to $500 to a relative or other person who has assumed care or custody of the Insured. Any payment Insurer makes in good faith fully discharges Insurer to the extent of that payment.

All other benefits will be payable to the Insured. However, if he/she has assigned his/her benefits, Insurer will honor the assignment, if Insurer has a signed copy of the assignment. A payment made pursuant to such an assignment shall discharge Insurer from further liability under this certificate to the extent of such payment. Under no circumstances shall Insurer be responsible for the validity or sufficiency of any such assignment.

Payment of Claims: When Paid: Claims will be paid as soon as Insurer receives complete proof of loss (and verification of age).

Payment of Claims: To Whom Paid: Benefits for Medical Expense/Emergency Medical Transportation services may be payable directly to the provider of the services. However, the provider: (a) must comply with the statutory provision for direct payment, and (b) must not have been paid from any other sources.

Problems with the insurance? If so, do not hesitate to contact the insurance company or agent to resolve your problem at 1145 Clark Street; Stevens Point, WI 54481 or call at 1-800-826-1300.

GENERAL PROVISIONS

Acts of Agents - No agent or any person or entity has authority to accept service of the required proof of loss or demand arbitration on our behalf nor to alter, modify or waive any of the provisions of this policy.

Choice of Law - The terms, conditions, and provisions of this policy are governed by the substantive law of the State of Wisconsin, and all disputes thereunder shall be governed and determined by the law of the State of Wisconsin.

Concealment or Fraud - The Insurer does not provide coverage for the Insured if the Insured has intentionally concealed or misrepresented any material fact or circumstance relating to this policy or claim.

Examination Under Oath - As often as the Insurer may require, the Insured must submit to examinations under oath, and provide us with receipts, proofs of purchases, or other records.

Insurer's Recovery Rights - In the event of a payment under this policy, the Insurer is entitled to all rights of recovery that the Insured, or the person to whom payment was made, has against another. The Insured must sign and deliver to the Insurer any legal papers relating to that recovery, do whatever is necessary to help the Insurer exercise those rights, and do nothing after the loss to harm our rights. When an Insured has been paid benefits under this policy but also recovers from another policy, the amount recovered from the other policy shall be held in trust for the Insurer by the Insured and reimbursed to the Insurer the extent of the Insurer's payment.

Legal Actions - No one may sue for benefits less than 60 days after due proof of loss is submitted, nor more than 12 months ( or the minimum period of time permitted by state law, if greater) after the date claim forms are due.

Payment of Premium - Coverage is not effective unless all premium due has been paid to Travel Guard prior to a date of loss or insured occurrence.

Satisfaction Guaranteed - The Insurer is committed to providing products and services that will exceed expectations. If the Insured is not completely satisfied, he/she can receive a refund. Requests must be submitted to Travel Guard in writing within three days of the receipt of the policy, provided it is not past the original departure date.

Termination of the Policy - Termination of the policy will not affect a claim for loss which occurs while the policy is in force.

Transfer of Coverage - Coverage under the policy cannot be transferred by the Insured to anyone else without prior written consent.

Insurer's Privacy Notice

TRAVEL GUARD® ASSISTANCE

All benefits provided are service benefits, not financial benefits. Any costs associated with benefits not purchased will be paid by the named Insured.

24-HOUR MEDICAL ASSISTANCE

24-Hour Medical Monitoring: Physicians monitor the Insured's condition by maintaining close contact with the attending physicians, his/her family Doctor and Family Members.

Medical Evacuation: Arrangements for any and all means necessary to transport the Insured back home when medically necessary.

Emergency Medical Payments: If a Hospital demands a cash deposit or settlement prior to leaving, Travel Guard will assist in arranging the advancement of funds to cover on-site Medical Expenses.

Prescription Assistance: Replacement of lost or stolen medication, through a local pharmacy or special courier.

Transportation of Dependents: In the event of hospitalization, arrangements will be made for unattended minors traveling with the Insured to be flown home.

Family Visit: If the Insured is hospitalized for ten or more days, Travel Guard will arrange transportation for a Family Member or close friend to visit him/her.

Transportation of Mortal Remains: In the event of death while traveling, arrangements and payment for the return of remains to the place of burial.

24-HOUR LEGAL ASSISTANCE

In a legal emergency, referral to a local legal advisor and advance of funds for bail and legal fees.

24-HOUR TRAVEL ASSISTANCE

Travel Documents Assistance: Travel Guard will help retrieve, report, and reissue lost or stolen travel documents.

Emergency Cash Transfer: Travel Guard will facilitate the transfer of funds from the Insured's U.S. bank or credit card or from the account or credit card of a Family Member.

Emergency Message Center: Transmission of emergency messages to family and business associates.

Interpretation Services: Travel Guard will provide emergency language support or referral to the appropriate local services.

24-HOUR LIVETRAVEL ASSISTANCE

Provides 24-hour assistance for emergency travel needs. Allows you to make emergency travel changes such as rebooking flights, making hotel reservations, tracking lost luggage, and replacing lost credit cards. Call 1-800-826-8597 for assistance

LIVE MESSAGING

Relay of e-mail or phone message to family, friends or business associates.

EMERGENCY CASH TRANSFER

Assistance in coordinating an emergency cash advance.

PRE-TRIP TRAVEL ADVICE

Around-the-clock access to passport, visa, inoculation and vaccine requirements; travel advisories; embassy and consulate contacts; travel health advisories; weather and currency information – all for the Insured's planned Destination.

Non-insurance services through the Travel Guard® Assistance is provided by Travel Guard.

Notice to California residents: This plan contains disability insurance benefits or health insurance benefits, or both, that only apply during your covered trip. You may have coverage from other sources that already provides you with these benefits. You should review your existing policies. If you have any questions about your current coverage, call your insurer or health plan.

Notice to Florida residents: The benefits of the policy providing the Insured's coverage is governed by the law of a state other than Florida.

Notice to Texas residents: This policy may provide a duplication of coverage already provided by the Insured's personal auto insurance, homeowner's, personal liability policy or other source of coverage.