Flight Protection Plan

Important: This program is effective when the appropriate plan cost has been paid. Please keep this document as you will not receive any other coverage materials.

Description of Coverage

Transamerica Casualty Insurance Company - Policy Number MZ0911068H0001A

Schedule of Coverage and Services

Maximum Benefit Amount

Part A. Travel Arrangement Protection

Trip Cancellation: Up to Total Trip Cost

Trip Interruption: Up to Total Trip Cost

Part B. Medical Protection

Emergency Evacuation: $50,000

Repatriation: $50,000

Medical Expense: $1,500

Part C. Baggage Protection

Baggage and Personal Effects: $500

Part D. Travel Accident Protection

Accidental Death and Dismemberment: $10,000

Part E. Worldwide Emergency Assistance (On Call International)

CareFree™ Travel Assistance, Medical Assistance& Emergency Services: 24/7/365

Coverages under Parts A, B, C and D are underwritten by Transamerica Casualty Insurance Company. Services under Part E are provided by On Call International. The benefits provided in this program are subject to certain restrictions and exclusions. Please read this document in its entirety for a description of all coverage terms and conditions. Note: Words beginning with capital letters are defined in this text.

Summary of Coverages

Part A. Travel Arrangement Protection

Trip Cancellation and Trip Interruption Benefits
Pre-Departure Trip Cancellation
The Insurer will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule, if you are prevented from taking your Covered Trip, due to your, an Immediate Family Member’s, Traveling Companion’s, or Business Partner’s Sickness, Injury or death or Other Covered Events as defined, that occur(s) on or before the Scheduled Travel Date of your Covered Trip. The Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) require the examination and treatment by a Physician at the time the Covered Trip is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered Trip.

Pre-Departure Trip Cancellation Benefits
The Insurer will reimburse you, up to the amount in the Schedule for the amount of prepaid, non-refundable, and unused Payments or Deposits that you paid for your Covered Trip

Post-Departure Trip Interruption
The Insurer will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if due to your, an Immediate Family Member’s, Traveling Companion’s or Business Partner’s Sickness, Injury or death or Other Covered Events as defined: 1) your arrival on your Covered Trip is delayed; or 2) you are unable to continue on your Covered Trip after you have departed on your Covered Trip. For item 1) above, the Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) for item 2) above, commence while you are on your Covered Trip and your coverage is in effect under the plan; and c) for both items 1) and 2) above, require the examination and treatment by a Physician at the time the Covered Trip is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Covered Trip or to prevent you from continuing your Covered Trip.

Post-Departure Trip Interruption Benefits
The Insurer will reimburse you, less any refund paid or payable, for the following:

  1. the additional transportation expenses by the most direct route from the point you interrupted your Covered Trip: (a) to the next scheduled destination where you can catch up to your Covered Trip; or (b) to the final destination of your Covered Trip;

  2. the additional transportation expenses incurred by you by the most direct route to reach your original Covered Trip destination if you are delayed and leave after the Scheduled Travel Date.

  3. unused Rental Car Reservation costs, if purchased.

However, the benefit payable under (1) and (2) above will not exceed the cost of a one-way economy air fare by the most direct route less any refunds paid or payable for your unused original tickets.

Note: In no event will the covered expenses for Trip Cancellation or Trip Interruption exceed the amount prepaid for your Covered Trip.

Important: The covered reason for cancellation or interruption of your Covered Trip must occur after your effective date of coverage.

Other Covered Events means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy: a change in plans by you, an Immediate Family Member traveling with you, or Traveling Companion resulting from one of the following events which occurs while coverage is in effect under this Policy:

  1. being directly involved in a documented traffic accident while en route to departure;
  2. being hijacked, Quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, an Immediate Family Member traveling with you or a Traveling Companion is not: 1) a party to the legal action, or 2) appearing as a law enforcement officer;
  3. having your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other Natural Disaster;
  4. a Terrorist Act which occurs in your departure city or in a city which is a scheduled destination for your Covered Trip provided: The Terrorist Act occurs within 30 days of the Scheduled Travel Date for your Covered Trip;
  5. your involuntary termination of employment or layoff which occurs after your effective date of coverage and was not under your control. You must have been continuously employed with the same employer for 3 years prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self-employed persons;
  6. your Host at Destination is hospitalized or dies (applicable only to Flight Cancellation);
  7. a Natural Disaster occurs, which causes a complete cessation of travel services at point of departure and/or destination;
  8. terrorism occurs in a country included on your travel itinerary which leads the U.S. government to issue a Travel Warning against travel within a country included on your travel itinerary for a period that would include your scheduled Covered Trip; or
  9. your, a traveling Immediate Family Member's or Traveling Companion's approved, written military leave is involuntarily revoked as a result of being temporarily or permanently reassigned, being called into active military reserve or an extension of deployment beyond a defined tour of duty within 30 days of departure. All leave must be approved prior to the Policy effective date.

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Part B. Medical Protection

Medical or Dental Expense/Emergency Assistance Benefits
The Insurer will pay this benefit, up to the amount on the Schedule for the following Covered Expenses incurred by you, subject to the following: 1) Covered Expenses will only be payable at the Usual and Customary level of payment; 2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Covered Trip; 3) benefits payable as a result of incurred Covered Expenses will only be paid after benefits have been paid under any Other Valid and Collectible Group Insurance in effect for you. The Insurer will pay that portion of Covered Expenses which exceed the amount of benefits payable for such expenses under your Other Valid and Collectible Group Insurance.

Covered Expenses:
Medical Expense:

  1. expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services, incurred by you during a Covered Trip;

  2. expenses for emergency dental treatment incurred by you during a Covered Trip;

Emergency Evacuation:

  1. expenses incurred by you for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the Program Medical Advisors prior approval;

  2. expenses incurred for non-emergency medical evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence, when deemed medically necessary by the attending Physician, subject to the Program Medical Advisors prior approval;

  3. expenses for transportation not to exceed the cost of one round-trip economy class air fare to the place of hospitalization for one person chosen by you, provided that you are traveling alone and are hospitalized for more than 7 days;

  4. expenses for transportation not to exceed the cost of one-way economy class air fare to your place of residence, including escort expenses if you are 25 years of age or younger and left unattended due to the death or hospitalization of an accompanying adult(s), subject to the Program Medical Advisors prior approval;

  5. expenses for one-way economy class air fare to your place of residence, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the plan;

Repatriation:

  1. repatriation expenses for preparation and air transportation of your remains to your place of residence, or up to an equivalent amount for a local burial in the country where death occurred, if you die while on your Covered Trip.

Losses Not Covered:
The Insurer will not pay Medical Expense/Emergency Assistance Benefits if your Covered Trip destination is traveling to your Home and the Covered Trip is longer than 31 days.

Please Note: In no event will all benefits paid for Emergency Evacuation or Repatriation expenses exceed the coverage limit of $50,000.

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Part C. Baggage Protection

Baggage and Personal Effects Benefit
The Insurer will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Baggage during your Covered Trip.

Valuation and Payment of Loss
Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 80% of the Actual Cash Value at the time of loss. At the Insurer’s option, it may elect to repair or replace your Baggage. The Insurer will notify you within 30 days after the Insurer receives your proof of loss. The Insurer may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, the Insurer will: 1) repair or replace any part to restore the pair or set to its value before the loss; or 2) pay the difference between the value of the property before and after the loss.

Items Subject to Special Limitations
The Insurer will not pay more than $500 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious or semi-precious gems; decorative or personal articles consisting in whole or in part of silver, gold, or platinum; cameras, camera equipment; digital or electronic equipment and media; and articles consisting in whole or in part of fur. There is a $200 per article limit.

Continuation of Coverage If the covered Baggage, passports or visas are in the custody of a Common Carrier, and delivery is delayed, this coverage will continue until the property is delivered to you.

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Part D. Travel Accident Protection

Accidental Death and Dismemberment
The Insurer will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are covered under the plan, and you suffer one of the losses listed below within 365 days of the Accident. The Principal Sum is the benefit amount shown on the Schedule.

Loss: - Percentage of Principal Sum Payable:

Life: 100%

Both Hands; Both Feet or Sight of Both Eyes: 100%

One Hand and One Foot: 100%

One Hand and Sight of One Eye: 100%

One Foot and Sight of One Eye: 100%

One Hand; One Foot or Sight of One Eye: 50%

If you suffer more than one loss from one 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.

Exposure and Disappearance
If by reason of an Accident covered by the plan, you are unavoidably exposed to the elements and as a result of such exposure suffer a loss for which benefits are otherwise payable, such loss shall be covered hereunder. If you are involved in an Accident which results in the sinking or wrecking of a conveyance in which you were riding and your body is not located within one year of such Accident, it will be presumed that you suffered loss of life resulting from Injury caused by the Accident.

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Part E. Worldwide Emergency Assistance Provided By On Call International

On Call International’s 24/7/365 global network includes:

CareFree™ Travel Assistance

Travel Arrangements

Pre-Trip Information

Documents and Communication

Medical Assistance and Managed Care

Emergency Services

CareFree™ Travel Assistance, Medical Assistance and Emergency Services can be accessed by calling On Call International at 1-800-618-0692 or, from outside the U.S. or Canada, call collect*: 1-603-328-1711.

* If you have any difficulty making this collect call, contact the local phone operator to connect you to a US-based long-distance service. In this case, please let the Assistance Provider answering the phone know the number you are calling from, so that he/she may call you back. Any charges for the call will be considered reimbursable benefits.

Note that the problems of distance, information, and communications make it impossible for Transamerica Casualty Insurance Company, Aon Affinity, your travel seller, or On Call International to assume any responsibility for the availability, quality, use, or results of any emergency service. In all cases, you are still responsible for obtaining, using, and paying for your own required services of all types.

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Definitions

In the document, “you”, “your” and “yours” refer to the Insured. “The Insurer” refers to the company providing the coverage. In addition certain words and phrases are defined as follows:

Accident means a sudden, unexpected, unintended and external event, which causes Injury.

Actual Cash Value means the purchase price less depreciation.

Air Common Carrier means any air conveyance operated under a license for the transportation of passengers for hire.

Baggage means luggage, personal possessions and travel documents taken by you on the Covered Trip.

Business Partner means an individual who is involved, as a partner, with you in a legal general partnership and shares in the management of the business.

Common Carrier means any land, water or air conveyance operated under a license for the transportation of passengers for hire.

Covered Trip means a period of travel away from Home to a destination outside your city of residence; the purpose of the travel is business or pleasure and is not to obtain health care or treatment of any kind and the travel does not exceed 31 days in length.

Domestic Partner means a person who is at least eighteen years of age and you can show: 1) evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations; 2) evidence of cohabitation for at least the previous 6 months; and 3) an affidavit of domestic partnership if recognized by the jurisdiction within which they reside.

Elective Treatment and Procedures means any medical treatment or surgical procedure that is not medically necessary including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by the Insurer to be research or experimental or that is not recognized as a generally accepted medical practice.

Flight means your airline ticket(s) for which coverage has been elected and the plan payment paid, and which was arranged by the Policyholder on or prior to the Scheduled Travel Date. Flight is defined as “Trip” in the Master Policy.

Home means your primary or secondary residence.

Hospital means an institution, which meets all of the following requirements:

  1. it must be operated according to law;

  2. it must give 24 hour medical care, diagnosis and treatment to the sick or injured on an inpatient basis;

  3. it must provide diagnostic and surgical facilities supervised by Physicians;

  4. registered nurses must be on 24 hour call or duty; and

  5. the care must be given either on the hospital’s premises or in facilities available to the hospital on a prearranged basis.

A Hospital is not: a rest, convalescent, extended care, rehabilitation or other nursing facility; a facility which primarily treats mental illness, alcoholism, or drug addiction (or any ward, wing or other section of the hospital used for such purposes); or a facility which provides hospice care (or wing, ward or other section of a hospital used for such purposes).

Host at Destination means the person with whom you are sharing pre-arranged overnight accommodations in his/her principal place of residence.

Immediate Family Member means includes your or the Traveling Companion’s, spouse, child, spouse’s child, son-daughter-in-law, parent(s), sibling(s), grandparent(s), grandchild, step brother-sister, step-parent(s), parent(s)-in-law, brother-sister-in-law, aunt, uncle, niece, nephew, guardian, Domestic Partner, foster-child, or ward.

Injury means bodily harm caused by an accident which: 1) occurs while your coverage is in effect under the plan; and 2) requires examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.

Insured means an eligible person who arranges a Covered Trip and pays any required plan payment.

Insurer means Transamerica Casualty Insurance Company.

Natural Disaster means 1) for Flight Reservations, flood, hurricane, tornado, earthquake, or blizzard which renders your Air Common Carrier unable to provide a travel service due to a shutdown of all local airports for a duration of greater than 72 hours; and 2) for Rental Car Reservations if purchased, a complete cessation of travel services at the point of departure (pick up) and/or destination (return) for the duration of your Covered Trip.

Other Valid and Collectible Group Insurance means any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state or local government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the usual and customary value of each service rendered will be considered a Covered Expense.

Payments or Deposits means the cash, check, or credit card amounts actually paid to the Policyholder for your Covered Trip.

Physician means a person licensed as a medical doctor by the jurisdiction in which he/she is resident to practice the healing arts. He/she must be practicing within the scope of his/her license for the service or treatment given and may not be you, a Traveling Companion, or an Immediate Family Member of yours.

Policy means the contract issued to the Policyholder providing the benefits specified herein.

Policyholder means the legal entity in whose name this Policy is issued, as shown on the benefit Schedule.

Program Medical Advisors means On Call International.

Quarantined means the isolation of a person afflicted with or exposed to a communicable disease, the purpose being to prevent the spread of disease.

Rental Car Reservation means your confirmed rental of a passenger vehicle for which coverage has been elected and the plan payment paid, and which was arranged by the Policyholder on or prior to the Scheduled Travel Date, and for which a fee is incurred. Rental Car Reservation is defined as “Trip” in the Master Policy.

Schedule means the benefit schedule shown on the document for each Insured.

Scheduled Return Date means the date on which you are originally scheduled to return to the point where the Covered Trip started or to a different final destination.

Scheduled Travel Date means the date on which you are originally scheduled to leave on your Covered Trip, and/or pick up your rental car, if purchased. Scheduled Travel Date is defined as “Scheduled Departure Date” in the Master Policy.  

Sickness means an illness or disease of the body which: 1) requires examination and treatment by a Physician, and 2) commences while the plan is in effect.

Terrorist Act 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 alone or 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.

Traveling Companion means a person who, during the Covered Trip, will accompany you.

Trip means a Flight and Rental Car Reservation if purchased, as defined herein.

Usual and Customary Charge means those charges for necessary treatment and services that are reasonable for the treatment of cases of comparable severity and nature. This will be derived from the mean charge based on the experience in a related area of the service delivered and the MDR (Medical Data Research) schedule of fees valued at the 90th percentile.

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General Plan Exclusions

In Parts A, B, & D:
The insurer will not pay for any loss caused by or incurred resulting from:

  1. mental, nervous, or psychological disorders, except if hospitalized;

  2. being under the influence of drugs or intoxicants, unless prescribed by a Physician;

  3. normal pregnancy, except if hospitalized; or elective abortion;

  4. riding or driving in any motor competition;

  5. declared or undeclared war, or any act of war;

  6. service in the armed forces of any country;

  7. operating or learning to operate any aircraft, as pilot or crew;

  8. any unlawful acts, committed by you or a Traveling Companion (whether insured or not);

  9. any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law;

  10. elective Treatment and Procedures;

  11. medical treatment during or arising from a Covered Trip undertaken for the purpose or intent of securing medical treatment;

  12. business, contractual or educational obligations of you, an Immediate Family Member or Traveling Companion;

  13. failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements;

  14. a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when the plan is not in effect for you.

 

In Part C:
Items Not Covered:
The insurer will not pay for damage to or loss of:

  1. a loss or damage caused by detention, confiscation or destruction by customs;

  2. animals;

  3. property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof;

  4. artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses;

  5. documents or tickets, except for administrative fees required to reissue tickets;

  6. money, stamps, stocks and bonds, postal or money orders, securities, accounts, bills, deeds, food stamps or credit cards;

  7. property shipped as freight or shipped prior to the Scheduled Travel Date;

Losses Not Covered:
The insurer will not pay for loss arising from:

  1. theft or pilferage from an unattended vehicle; or

  2. mysterious disappearance.

In Part D:
The following exclusions apply to the Accidental Death And Dismemberment Coverage:

  1. The Insurer will not pay for loss caused by or resulting from Sickness of any kind.

  2. You, your Traveling Companion’s, or Immediate Family Member’s booked to travel with you, suicide, attempted suicide, or intentionally self-inflicted injury, while sane or insane (while sane in CO & MO);

  3. participation as a professional in athletics;

  4. participation in organized amateur and interscholastic athletic or sports competition or events;

  5. riding or driving in any motor competition;

  6. nuclear reaction, radiation or radioactive contamination;

  7. mountain climbing, bungee cord jumping, skin diving, scuba diving, snow skiing, skydiving, parachuting, hang gliding, parasailing or travel on any air supported device, other than on a regularly scheduled airline or air charter company.

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Term of Coverage

When Coverage Begins
All coverages (except Pre-Departure Trip Cancellation and Post-Departure Trip Interruption) will take  effect on the later of: 1) the date the plan payment has been received; 2) the date and time you start your Covered Trip ; or 3) 12:01 A.M. Standard Time on the Scheduled Travel Date of your Covered Trip.

Pre-Departure Trip Cancellation coverage will take effect at 12:01 A.M. Standard Time on the date your plan payment is received. Post-Departure Trip Interruption coverage will take effect on the Scheduled Travel Date.

Note: The plan cost is non-refundable more than 24 hours of booking your trip with the policyholder.

When Coverage Ends
Your coverage automatically ends on the earlier of:

  1. the date the Covered Trip is completed;

  2. the Scheduled Return Date;

  3. your arrival at the return destination on a round-trip, or the destination on a one-way Trip;

  4. cancellation of the Covered Trip covered by the plan.

Coverage will be extended if your return is delayed by unavoidable reasons beyond your control, covered by the policy.

In the event your travel plans change and you exchange your airline ticket to another itinerary within the same region, insurance may be transferred to the new ticketed itinerary provided that you do not file a claim for or depart on your original trip. Insurance may only be transferred to the new itinerary if rebooking occurs at the time you cancel your original trip.

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Claims Procedures

  1. Emergencies Arising During Your Trip: Please refer to the CareFree™ Worldwide Emergency Assistance Service Section.

  2. Trip Cancellation Claims: Contact your travel seller and Aon Affinity IMMEDIATELY to notify them of your cancellation and to avoid any non-covered expenses due to late reporting. Aon Affinity will then forward the appropriate claim form which must be completed by you AND THE ATTENDING PHYSICIAN, if applicable.

  3. All Other Claims: Report your claim as soon as possible to Aon Affinity. Provide the policy number, your travel dates, and details describing the nature of your loss. Upon receipt of this information, Aon Affinity will promptly forward you the appropriate claim form to complete.

Online: www.travelclaim.com
By Phone: 1-(877) 892-7951 or 1-(516) 342-2720
Mail: Aon Affinity I 300 Jericho Quadrangle I P.O. Box 9022 I Jericho, NY 11753
E-mail: tripprotect@aon.com

Important: In order to facilitate prompt claims settlement upon your return, be sure to obtain as applicable: detailed medical statements from Physicians in attendance where the Injury or Sickness occurred; receipts for medical services and supplies; receipts from the Hospital; police reports or claims reports from the parties responsible (e.g., airline, cruise line, hotel, etc.) for any loss, theft, or damage. In the event of a baggage claim, receipts for any lost or damaged items will be required.

This plan was designed and is administered by Aon Affinity.

Aon Affinity is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc. (TX 13695); (AR 244489); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. Affinity Insurance Services is acting as a Managing General Agent as that term is defined in section 626.015(14) of the Florida Insurance Code. As an MGA we are acting on behalf of our carrier partner.

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General Provisions

Our Right To Recover From Others
The Insurer has the right to recover any payments the Insurer has made from anyone who may be responsible for the loss. You and anyone else the Insurer insures must sign any papers and do whatever is necessary to transfer this right to the Insurer. You and anyone else the Insurer insures will do nothing after the loss to affect the Insurer’s right.

Claims Provisions

Notice of Claim
The Insurer must be given written notice of claim within 90 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. Notice may be given to the Insurer or to its authorized agent. Notice should include the claimant’s name and enough information to identify him or her.

Claim Forms
When the Insurer receives notice of claim, you will be sent forms to file proof of loss. If the forms are not sent within 15 days after the Insurer receives notice, then the claimant will meet the proof of loss requirements by giving the Insurer a written statement of the nature and extent of the loss. This must be sent to the Insurer within the time limit stated in the Proof of Loss provision.

Proof of Loss
Written Proof of Loss must be sent to the Insurer within 90 days after the date the loss occurs. The Insurer will not reduce or deny a claim if it was not reasonably possible to give the Insurer written Proof of Loss within the time allowed. In any event, you must give the Insurer written Proof of Loss within twelve (12) months after the date the loss occurs unless you are legally incapacitated.

Payment of Claims
Claims for benefits provided by the plan will be paid as soon as written proof is received.

Benefits for loss of life will be paid to your estate, or if no estate, to your beneficiary. All other benefits are paid directly to you, unless otherwise directed. Any accrued benefits unpaid at your death will be paid to your estate, or if no estate, to your beneficiary. If you have assigned your benefits, the Insurer will honor the assignment if a signed copy has been filed with the Insurer. The Insurer is not responsible for the validity of any assignment.

Travel Insurance is underwritten by Transamerica Casualty Insurance Company, Columbus, Ohio; NAIC # 10952 (all states except as otherwise noted) under Policy/Certificate Form series TAHC5000. In CA, HI, NE, NH, PA, TN and TX Policy/Certificate Form series TAHC5100 and TAHC5200. In IL, IN, KS, LA, OH, OR, VT, WA and WY Policy Form #’s TAHC5100IPS and TAHC5200IPS. Certain coverages are under series TAHC6000 and TAHC7000.

This is a brief Description of Coverage which outlines benefits and amounts of coverage that may be available to you. If you are a resident of one of the following states (IL, IN, KS, LA, OH, OR, VT, WA or WY), your Policy is provided on an individual form. To obtain a copy of your Individual Policy or Group Certificate for all states based on your state of residence, or information regarding the insurance premium portion of your plan cost, visit www.affinitytravelcert.com or call 1-800-453-4090. Your Individual Policy or Group Certificate will govern the final interpretation of any provision or claim. For Maryland residents only, to file a complaint with the Maryland Department of Insurance, call 1-800-492-6116 or visit www.mdinsurance.state.md.us.

This plan provides cancellation coverage for your trip and other insurance coverages that apply only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. If you have any questions about your current coverage, call your insurer, insurance agent or broker. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. Unless individually licensed as an insurance agent, your travel agent is not qualified or authorized to answer your technical questions about the benefits, exclusions or conditions of this plan or to evaluate the adequacy of any existing insurance coverage you may have. Questions should be directed to the plan administrator at the toll-free number provided.

Ten Day Right To Examine
If you are not satisfied for any reason, you may cancel your coverage within 10 days of your receipt of this document. Your premium will be refunded, provided there has been no incurred covered expense and you have not departed on your Covered Trip. When so returned, the coverage is void from the beginning. Request a refund in writing by providing your contact information as well as copy of your plan description to our authorized agent, Aon Affinity, 300 Jericho Quadrangle, P.O. Box 9022, Jericho, NY 11753.
 

1/2015
20409570

For additional information regarding the plan, call Aon Affinity at 1.877.892.7951 or 1.516.342.2720.
Office Hours: 8:00 AM - 10:00 PM ET, Monday - Friday, 9:00 AM - 5:00 PM ET, Saturday

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