$ 25,000 Car Rental Collision Coverage. Plan Cost: $6 per day per car

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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, Family Member, or Business Partner. (Certain exclusions apply.)

• Inclement weather causing delay or cancellation of travel.

• The Insured’s primary residence being made uninhabitable by natural disaster, vandalism, or burglary.

• The Insured, or a Traveling Companion being subpoenaed, required to serve on jury duty, hijacked, or quarantined.

• The Insured, or a Traveling Companion is involved in or delayed due to an automobile accident, substantiated by a police report, while en route to departure.

• The Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, which occurs more than 14 days after an Insured’s effective date of coverage, provided that he or she has been an active employee for the same employer for at least one year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, independent contractors or self-employed persons.

• Strike, resulting in the complete cessation of travel services at the point of departure or destination.

• Primary Coverage.

Travel Delay

Reimburses up to $150 a day for reasonable additional expenses if delayed for 12 hours or more due to:

• Carrier delay such as mechanical difficulties.

• Lost passport, money, or travel documents.

• Natural disaster.

• Injury, sickness or quarantine of the Insured or Traveling Companion.

Missed Connection

Reimburses up to the Maximum Benefit shown on the Schedule of Benefits if

delayed for three to less than twelve hours to your point of departure due to:

• Inclement weather

• Common carrier causes cancellation or delay of all regularly scheduled airline flights.

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 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 Evacuation and Repatriation of Remains

• Evacuation to nearest adequate medical facility.

• Transportation of remains upon death.

Travel Medical Assistance

Worldwide Travel Assistance

LiveTravel® Emergency Assistance

• Flight rebooking • Hotel rebooking • Rental vehicle booking • Emergency return travel arrangements • Roadside assistance • Rental Vehicle Return • Guaranteed hotel check-in • Missed connection coordination

— OPTIONAL COVERAGE —

• $25,000 Primary Car Rental Collision Coverage

• Collision for any damage that the car rental contract holds the Insured responsible for.

• Subject to a $250 deductible.

PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Insurer will not pay for any Loss or expense incurred as the result of an Injury, Sickness or other condition of an Insured, Traveling Companion, Business Partner, or Family Member which, within the 60 day period immediately preceding and including the Insured’s coverage effective date: (a) first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; (b) for which care or treatment was given or recommended by a Physician; (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.

This is applicable to all coverage's contained in the policy. You must be medically able to travel when you pay your plan cost. In the event that a claim is filed, the injury or illness must be substantiated to the Claims Department.

This is only a brief description of the coverage's available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance is underwritten by National Union Fire Insurance  Company of Pittsburgh, Pa., with its principal place of business in New York, NY. Coverage may not be available in all states.

The policy covers trips up to 180 days in length. Effective Date: Trip Cancellation benefit will be effective at 12:01 a.m. on the day after the plan cost is paid to the travel agent. All other coverage will take effect on the date the insured leaves for their trip. 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.