NOTE: If insurance is purchased within 7 days of initial trip payment, the Pre-Existing Medical Condition Exclusion will be waived. You must be medically able to travel when you pay your premium.

TOLL-FREE:
1.866.690.6860
Refer to product number 008029

For specific questions regarding insurance,
refer your customers to INSURE AMERICA .
Our representatives are available
24 hours a day, 7 days a week.

TOUR COST PREMIUM
PER PERSON PER PERSON
$ 0 - $ 1,000 $ 139
$1,001 - $10,000 $ 179

TRAVEL INSURANCE SELLING GUIDE
Trip Cancellation & Interruption
Trip Cancellation and Interruption pays for forfeited, non-refundable, unused payments or deposits if due to:
• Unforeseen sickness, injury, or death of the Insured, a Traveling Companion,
Immediate Family Member, or Business Partner. (Certain exclusions apply.)
• Inclement weather conditions causing delay or cancellation of travel.
• The Insured’s principal residence being made uninhabitable by fire, flood, similar natural disaster, vandalism or burglary.
• The Insured(s) being subpoenaed, required to serve on jury duty, hijacked, or quarantined.
• Being involved in or delayed due to an automobile accident en route to departure.
• Strike that causes complete cessation of services. A Strike is foreseeable on the date labor union members vote to approve a strike.
Reasons not covered:
• Carrier-caused delays such as mechanical difficulties (covered under Travel Delay).
• Travel arrangements cancelled by the tour operator, airline, or cruise line.
• Change in plans (“I just don’t want to go.”).
• Normal pregnancy or childbirth.
• Financial circumstances (“I can’t afford to go.”).
• Business or contractual obligations (“My boss changed my vacation.”).
• Any government regulation or prohibition, war, civil disorder, nuclear reaction, o contamination.

Travel Delay
Reimburses up to $100 a day for reasonable additional expenses if delayed for 12 hours due to:
• Carrier delay such as mechanical difficulties.
• Lost passport, money, or travel documents.
• Natural disaster.
• Injury or sickness of the Insured or Traveling Companion.

Baggage & Personal Effects
• Reimburses for loss, theft, damage, and mysterious disappearance of baggage and personal effects.
• Primary coverage — no need to present a claim to another carrier such as Homeowner’s.
• Covers loss due to unauthorized use of credit cards if the Insured has complied with credit card conditions.
• Pays for administrative fees to reissue lost or stolen tickets.
• Coverage for cameras, musical instruments, breakage of brittle or fragile articles, and golf and scuba equipment.

Baggage Delay
• Reimburses for the purchase of essential items if baggage is delayed or misdirected for more than 24 hours.

Medical Expense
• No daily limits or deductibles.
• Pays for physician, hospital, ambulance services, and prosthetic devices. Initial treatment must be received during trip. We will pay for covered expenses for up to one year from date of injury/sickness.
• Pays for emergency dental expenses during the trip.

Emergency Medical Transportation
• Evacuation to nearest adequate medical facility.
• Up to $5,000 for medical escort.
• Transportation of remains upon death.

Accidental Death & Dismemberment
• Covers death and loss of limb or eyesight within 180 days of an accident.

Travel Guard® Assist – This is a service benefit.
• Advancement of funds to cover on-site medical expenses.
• Telephone interpretation services in major languages.
• Replacement of lost passport and other incidentals as may be required.
• Assistance to locate local physicians, dentists, or medical facilities.
• Professionals will monitor the Insured’s condition and contact their personal physician.
• Evacuation to a hospital, treatment facility, or back home.
• 24-hour emergency hotline.

24-hour LiveTravel Assistance
LiveTravel – 24-hour hotline to make emergency travel changes once travel has
commenced, such as rebooking flights, hotel reservations, tracking lost luggage
and more! Call 1.800.826.8597 for assistance.
Live Messaging – relay of e-mail or phone message to family, friends, or
business associates.
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 your
planned destination.
Emergency Cash Transfer – assistance in coordinating an emergency cash advance.

Concierge Services
• Restaurant referrals/reservations – Worldwide dining referrals and reservations made on the covered person’s behalf; based on availability.
• Ground transportation – Coordinating car or limo arrangements throughout the covered person’s trip, including transportation to and from airport, hotel, meetings, and more.
• Event ticketing – Assistance with obtaining tickets to sporting, theater, concert, and other events; based on availability.
• Tee time reservations – Assistance with scheduling tee times and making course recommendations; based on availability.
• Floral services – Coordination of flower delivery for missed birthdays, anniversaries, holidays, and other special occasions while traveling/

PRE-EXISTING MEDICAL CONDITION EXCLUSION APPLICABLE TO ALL COVERAGES
The Insurer will not pay for loss or expense incurred as the result of an Injury, Sickness or other condition of the Insured, a Traveling Companion, or an Immediate Family Member of the Insured or Traveling Companion which, within the 60 day period before the Insured's coverage began: (a) first manifested itself, worsened, became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; (b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or (c) required treatment by a Physician or treatment had been recommended by a Physician.

Note: The above exclusion will be waived if insurance is purchased within 7 days of initial trip payment. This is applicable to all coverages contained in the policy. You must be medically able to travel when you pay your premium. In the event that a claim is filed, the injury or illness must be substantiated to our Claims Department.

DETAILS OF COVERAGE
Termination Date: All coverage ends on the earlier of: (a) the date the trip is completed; (b) the scheduled trip completion date; (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. Effective Date: Trip Cancellation benefit will be effective at 12:01 a.m. on the day after the premium is paid to the travel agent.

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such a person to criminal and civil penalties.

Insurance coverage is underwritten by the National Union Fire Insurance Company of Pittsburgh, PA, 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. 19445.

This is only a brief description of the insurance coverage(s) available under policy series
T30253NUFIC. 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.