Global Travel Shield Deluxe
Plan Details
FOR INFORMATIONAL PURPOSES ONLY: For complete details on the terms, conditions and exclusions of this coverage please refer to the plan documents you receive upon enrollment.
Underwritten by AMEX Assurance Company
Administrative Office Phoenix, AZ
Herein called the Company
SCHEDULE OF BENEFITS
| Coverage | Maximum Benefit Amount Per Covered Person, per Covered Trip |
| Emergency Medical Evacuation/Repatriation | $100,000 |
| Emergency Medical and Dental Expense | $100,000 |
| Trip Cancellation/Interruption | Trip Cost ($50,000 max.) |
| Trip Delay | $300/day ($600 max.) |
| Baggage Delay |
$500 |
| Baggage Loss |
$2,000 |
| Airflight Insurance |
$500,000 |
| 24-Hour Travel Assistance Hotline |
Included |
COVERAGE EFFECTIVE DATE
Trip Cancellation coverage is effective the earlier of 12:01 a.m. on the date:
1. You applied for Your coverage and that of Your Covered Persons as evidenced by phone, fax or electronic transmission; or
2. After Your enrollment is postmarked.
Coverage for Trip Interruption, Trip Delay, Baggage Protection, Airflight Insurance, Emergency Medical and Dental Expense and Emergency Medical Evacuation/Repatriation is effective at 12:01 a.m. on the Covered Trip Departure Date, provided:
1. Your enrollment is received and validated by Us; or
2. Your enrollment is postmarked prior to or on the Covered Trip Departure Date.
For all benefits, coverage is not effective unless the correct premium has been paid.
GENERAL PROVISIONS
If You would like to make a change to the benefits provided, please contact Us. The Coverage Effective Date for the revised coverage will be the next business day following Our acceptance of the change and receipt of any additional required premium. Changes to the Designated Trip Payment Plan will not be honored unless placed prior to the Covered Trip Departure Date and approved by Us. For the Designated Trip Payment Plan, the premium is non-refundable after the Covered Trip Departure Date.
Change in Permanent Residence
You must notify Us within 30 days of a change in Your Permanent Residence. If the change is to a different state, Your Policy provisions and rates may be adjusted to conform to the requirements of that state. Notification of any such Policy adjustment will be included in a new
Policy issued to You.
Clerical Errors
Clerical errors or delays in keeping records for this Policy will not deny insurance which would otherwise have been granted; not extend insurance which otherwise would have ceased and call for a fair adjustment of premium and benefits to correct the error.
Entire Contract
The Policy and Your enrollment request for coverage, and any endorsements and attachments, constitute the entire contract of insurance. No agent other than an executive officer of the Company may change the Policy or waive any of its provisions.
All statements in the enrollment are representations and not warranties. Only statements contained in a written enrollment will be used to void insurance, reduce benefits or defend a claim. If any representation, omission or request for benefits made under the Policy is determined to be fraudulent or if any fraudulent means or devices are used by a Covered Person or anyone acting on his/her behalf, all benefits will be voided.
Excess Coverage
With the exception of the Airflight Insurance, all other benefits are excess over certain sources of insurance or indemnity available to a Covered Person.
Extension of Coverage
If the duration of a Covered Person’s Covered Trip is prolonged and not completed during the Period of Coverage because of a delay in the means of transportation, or due to a travel related situation beyond the control of any Covered Person and provided the Covered Trip is completed without undue delay, this insurance is extended automatically beyond the Covered Trip Conclusion Date without additional premium for a period of 72 hours. If the Covered Person becomes hospitalized, coverage for that Covered Person and one Traveling Companion will be extended automatically for the period of Hospital confinement and an additional 5 days after release.
Fraud and Material Misrepresentation
Coverage provided under the Policy shall be void if, whether before or after a loss, the Covered Person has concealed, omitted or misrepresented any material fact or circumstance concerning the application for this insurance, the subject of this insurance, or the interest of the Covered Person therein, and/or in case of any fraud or false swearing by the Covered Person relating thereto.
If any claim made under the Policy is determined to be false or fraudulent or if any false or fraudulent means or devices are used by You, any other Covered Person, or by anyone acting on a Covered Person, all benefits otherwise payable will be voided. Any claim intentionally submitted for an amount in excess of the true value of lost or damaged property or actual expenses incurred shall be deemed false or fraudulent within the meaning of this provision.
Incontestability
With regard to the Per-Trip and Annual Payment Plan Covered Persons, no statement made by a Covered person(s) can be used in a contest after his/her insurance has been in force two years during his/her lifetime. No statement the Covered Person(s) makes can be used in a contest unless it is in writing and signed by him/her. This provision shall not preclude the assertion at any time of defenses related to submission of a false or fraudulent claim based upon provisions in the Policy that exclude or restrict coverage.
Legal Actions
No legal action may be brought to recover against the Policy within 60 days after initial written proof of loss has been given. No such action will be brought after three years from the time written proof of loss is required to be given.
If a time limit of the Policy is less than allowed by the laws of the state where the Covered Person lives, the limit is extended to meet the minimum time allowed by such law.
Liberalization Clause
If We make a change which broadens coverage under this edition of the Policy without additional premium charge, that change will automatically apply to the Covered Person’s coverage as of the date We implement the change in Your state, provided that this implementation date falls within 60 days prior to or during the coverage period described in the Schedule of Benefits. This Liberalization Clause does not apply to changes implemented through introduction of a subsequent edition of the Policy.
Maximum Accidental Death and Dismemberment Benefit Payment per Occurrence
If the Covered Person is enrolled in the Global Travel Shield Policy, other AMEX Assurance Company underwritten policies that provide a benefit for accidental death or dismemberment, or receives the accidental death or dismemberment benefit under an AMEX Assurance Company underwritten policy that is offered as a benefit of Cardmembership, the maximum sum payable under all applicable policies for accidental death or dismemberment is $3,500,000. This maximum limit applies whether or not the Covered Person is required to enroll under the Policy or is eligible as a benefit of Cardmembership. This does not preclude the Covered Person from receiving all benefits other than accidental death or dismemberment benefits up to the maximum limit disclosed within the pertinent Policy.
Multiple Policies or Enrolled Accounts for each Covered Trip
This Policy supersedes any Policy previously issued to You under the Policy. You may qualify under only one Policy for each Covered Trip. If any Covered Person is insured under more than one Policy, We will consider that person to be insured under the Policy that provides the greatest amount of coverage as shown on the Schedule of Benefits. Upon discovery of the duplication, We will refund any duplicated payments that may have been made on behalf of that person. The records maintained by the Company shall determine the insurance provided under the Policy for any Covered Person.
Misstatement of Age
If the age of the Covered Person has been inadvertently misstated during enrollment or on the enrollment form for insurance under the Policy, the benefits payable will be those which the premiums paid would have purchased based upon the correct age. Otherwise, there will be an equitable adjustment of premiums.
Premium
Premiums will be determined for each Covered Person listed on the Schedule of Benefits. We will provide insurance coverage in return for premium payment. Premiums are payable by You in a manner acceptable to Us.
Physical Examination and Autopsy
We may require that the Covered Person be examined by a Physician of Our choice. This may be done as often as reasonably necessary while a claim is pending or while We are paying benefits. We may require an autopsy where lawful. We will pay the cost of both the exam and autopsy.
Transfer of Rights and Duties Under The Policy
The Covered Person’s rights and duties under the Policy may not be transferred or assigned without Our written consent except in the case of death of an individual Covered Person. If a Covered Person dies, these duties and rights will be transferred to a legal representative acting within the scope of duties of a designated or appointed legal representative.
GENERAL DEFINITIONS
Accident means a sudden event resulting from an act of another not provoked or instigated by the Covered Person, or an act of the Covered Person the result of which reflects a material departure from the Covered Person’s expectations and which event is neither caused by disease, illness or infirmity, nor by the voluntary ingestion, injection or inhalation of any substance.
Accidental Death means the termination of a Covered Person’s life as a direct result of an Accident.
Accidental Injury means bodily injury to a Covered Person as a direct result of an Accident.
Account(s) throughout the Policy means credit, charge, cash or debit card account(s) issued to the Policyholder in his/her name to which premiums will be billed on a Designated Trip, Per-Trip or Annual Payment Plan basis. The Account must be listed on the enrollment form to be considered an eligible enrolled Account to which premium can be billed.
Complications of Pregnancy means:
1. Conditions whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy, such as acute nephritis, nephrosis, cardiac decompensation, missed abortion and similar medical and surgical conditions of comparable severity, but shall not include false labor, occasional spotting, Physician-prescribed rest during the period of pregnancy, morning sickness and similar conditions associated with the management of a difficult pregnancy not constituting a nosologically distinct complication of pregnancy; and
2. Non-elective Cesarean section, ectopic pregnancy which is terminated, spontaneous termination of pregnancy which occurs during a period of gestation in which a viable birth is not possible, hyperemesis gravidarum and pre-eclampsia.
Covered Person means You or Your Traveling Companions who You have listed on Your accepted enrollment form, who have met the enrollment and eligibility requirements of the Policy and for whom all due premiums have been paid.
Covered Trip Conclusion Date means the date on which the Covered Person is originally scheduled to return to the point where the Covered Trip started or to the Covered Person’s final destination. This may be specified on the Covered Person’s ticket, Schedule of Benefits, enrollment form and/or other verification.
Covered Trip Departure Date means the date on which the Covered Person is originally scheduled to leave on the Covered Trip. This may be specified on the Covered Person’s ticket, Schedule of Benefits, enrollment form and/or other verification.
Dependent(s) means:
1. The Covered Person’s Spouse or Domestic Partner;
2. The Covered Person’s unmarried, dependent children under age 19 who rely on the Covered Person for more than 50% support and maintenance and who the Covered Person can claim as an exemption on their federal income tax return;
3. The Covered Person’s unmarried dependent children 19 years or older:
a. Who are registered students in regular full-time attendance at an accredited secondary school, college or university and under age 24; or
b. Who, because of a handicap condition or disability that occurred before the attainment of the limiting age, are incapable of self-sustaining employment and are dependent upon a parent or other care provider for lifetime care and supervision. Coverage will be extended for as long as such child is incapacitated, unmarried and dependent.
Dependent children, unless otherwise specified, include:
1. Natural, adopted and stepchildren of the insured who are chiefly financially dependent on the insured for support and maintenance, and
2. An adopted child or a child in the custody of the insured pursuant to an interim court order of adoption vesting temporary care of the child in the insured, regardless of whether a final order granting adoption is ultimately issued.
Designated Trip Payment Plan means a selected option of premium payment whereby You enroll for coverage and pay a premium for benefits selected under the Policy for each Covered Person and Covered Trip. Re-enrollment is required for each Covered Trip.
Domestic Partner means persons of the same or opposite gender who either,
1. Can provide documentation of registration of the Domestic Partner relationship pursuant to a state, county or municipal provision, or
2. Can meet all of the following qualifications:
a. Have resided with each other continuously for at least 12 months in a sole-partner relationship that is intended to be permanent;
b. Are not married to any other person;
c. Are at least 18 years old;
d. Are not related to each other by blood closer than would bar marriage per state law; and
e. Are financially interdependent as can be documented by copies of joint home ownership or lease, common bank accounts, credit cards, investments, or insurance.
Family Member means the Covered Person’s Dependent, son or daughter (including adopted and those who are in the process of becoming adopted, foster, step or in-law), Domestic Partner’s son or daughter (including adopted and those who are in the process of becoming adopted, foster, step or in-law), brother or sister (including step or in-law), parent (including step or in-law), grandparent (including step or in-law), grandchild (including adopted and those who are in the process of becoming adopted, foster or step), aunt, uncle, niece, nephew, guardian, or ward.
Hospital means an institution which meets all of the following requirements:
1. It is properly accredited and where required by law, holds a license as a Hospital;
2. It operates mainly for the care and treatment of sick or injured persons as inpatients;
3. It provides twenty-four hours a day nursing care by registered nurses;
4. It has staff of one or more Physicians available at all times; and
5. It provides organized facilities for diagnosis and surgical procedures.
The term Hospital does not include any of the following:
1. A facility used primarily for the care of the aged;
2. A mental institution or sanitarium;
3. A facility used primarily as a clinic, nursing home, hospice or similar place of business;
4. A long term nursing unit or geriatric ward;
5. A rehabilitative facility or extended care facility for convalescent patients; or
6. A facility primarily used for treating alcoholics, drug addicts or other forms of addiction.
With respect to outpatient surgery, or diagnostic testing, an ambulatory surgical center or a clinic will be considered as a Hospital. Such a facility must be properly accredited and, where required by law, hold a license allowing the facility to operate as such.
Medically Necessary means medical treatment that is vital and required for the treatment of an Accidental Injury or Sickness. Medically Necessary does not mean experimental procedures, or any surgical or medical treatment that reasonably can be delayed until the Covered Person returns to a Permanent or Temporary Residence. The extent of such care and treatment is that which is generally accepted, proven and established practice and recommended by most Physicians or Dentists with similar experience and training in the locality where the medical expense is incurred.
Occurrence means a single instance or a continuous or repeated exposure to conditions during the Period of Coverage which result in eligibility for payment of a Policy benefit. The loss shall be deemed one Occurrence if it is attributable directly or indirectly to one cause or to one series of similar causes.
Period of Coverage means that period of time during which a Covered Person is covered under the Policy. This period begins on the Coverage Effective Date, which is variable by coverage, and ends at 12:01 a.m. on the Covered Trip Conclusion Date.
Permanent Residence means the Covered Person’s one primary dwelling place where he/she permanently resides and intends to return.
Physician or Dentist means a licensed practitioner of the healing arts, acting within the scope of his or her license for the service or treatment given. The treating Physician or Dentist may not be a Covered Person or anyone related to the Covered Person by blood, marriage or civil union.
Policy as used throughout means the contract issued to You, the Policyholder, providing the benefits described herein.
Policyholder means the person who authorizes completion of the enrollment form, who pays the required premium and, if applicable, enrolls eligible Traveling Companions.
Reasonable and Customary means the usual fee charged by a Physician or Dentist of the same type of training and experience when furnishing treatment for a similar condition, or by a provider of medical transportation services, or by a mortician, within a certain geographic area. The locality where the charge is made also will be considered. Locality means a county or such greater area as is needed to represent a cross section of providers giving the type of service or supplies for which the charge was made. If the fees charged are higher than the average amounts, the individual receiving the service is responsible for paying the difference.
1. Of United States registry and certified for civil scheduled air transport by the United States government to carry passengers on a regularly scheduled basis; or
2. Of foreign registry and approved by the United States government or the appropriate foreign authority where the aircraft is registered; or
3. A Scheduled Charter, defined as an airline charter service that meets all of the following qualifications:
a. It is operated by a Scheduled Airline;
b. It is licensed to carry passengers for hire;
c. It is available to the public; and
d. It is not hired, owned or leased by a Covered Person’s employer.
Sickness means an illness or disease of the body, or any complication due to or as a result of an illness or disease, which originates while on a Covered Trip and requires Medically Necessary treatment by a Physician or Dentist.
Spouse means a person to whom the Covered Person is married.
Temporary Residence means a dwelling place where the Covered Person intends to reside for a limited time, and which is occupied or intended to be occupied by the Covered Person for 45 days or more during a Covered Trip.
Traveling Companion means an enrolled person who accompanies You on the entire Covered Trip and is named on Your enrollment form for coverage.
We, Us and Our means AMEX Assurance Company and its duly authorized agents.
You or Your means, or refers to, the Policyholder.
ELIGIBILITY FOR ENROLLMENT
The Class of persons eligible to be insured under this Policy includes and is limited to persons:
1. Who have paid the required correct Designated Trip, Per-Trip or Annual Payment Plan premium applicable to their benefits; and
2. Who are named as a Covered Person on an enrollment form provided by the Company; and
3. Who have a Permanent Residence in the 50 United States of America or the District of Columbia; and
4. Who have been accepted by the Company.
You can enroll Yourself and if You desire eligible Traveling Companions. To enroll Yourself, you must be at least 18 years old.
Anyone meeting the eligibility requirements under this Policy can be enrolled. Applicable premiums will be charged on a Designated Trip Payment Plan basis to the Policyholder unless otherwise indicated on the enrollment form. Premiums must be charged entirely to the enrolled Account.
TERMINATION AND CANCELLATION OF INSURANCE
Coverage under the Policy will terminate on the earliest of these events:
Coverage under the Policy will terminate or cancel at 12:01 a.m. on the date immediately following the earliest of these events:
1. The Covered Trip Conclusion Date;
2. The Covered Person completes the Covered Trip;
3. The Covered Person reaches the final destination point on a one-way trip or arrival at the return destination on a round-trip;
4. The Covered Trip is cancelled;
5. The Covered Person’s Permanent Residence is no longer within the 50 United States of America or the District of Columbia;
6. You request termination of insurance;
7. When We determine that misrepresentation, non-disclosure or fraud in enrollment or claims presentation has occurred;
8. The end of the period for which required premiums are due but not paid, subject to the Grace Period Provision;
9. The Policy or any benefit under the Policy is cancelled;
10. Your Account ceases to remain in good standing;
11. You move Your Permanent Residence to a state where the Policy is not available.
The Company can non-renew this Policy. All insurance will cease on the date of non-renewal. If the Company non-renews, advance written notice will be provided to You at least 60 days prior to the effective date of the non-renewal.
PRE-EXISTING CONDITIONS EXCLUSION
This exclusion is applicable to all Covered Persons and Family Members, whether they are or are not traveling.
There is no coverage for any condition of a Covered Person or a Family Member if, during the 60 days preceding and including the Coverage Effective Date, a) there was medical consultation, advice, examination or treatment received or recommended by a Physician or Dentist for the condition, b) symptoms of the condition were present which would have caused a prudent person to seek medical consultation, advice, examination or treatment, or c) required taking prescribed medication, unless the condition for which the prescribed medication was required remained controlled without any adjustment of the prescribed medication.
We will waive this Pre-Existing Conditions Exclusion if the Covered Person meets all of the following requirements:
1. The scheduling and booking of the Covered Trip must be the first and only booking for this Period of Coverage and resulting destination;
2. The Covered Person must be medically able to travel at the time the Policy premium is paid;
3. The premium under the Policy is paid within 14 days of making the first Covered Trip deposit; and
4. The amount of Trip Cancellation coverage purchased is equal to the entire cost of the Covered Trip. The entire cost of any subsequent arrangements added to the Covered Trip (or any other arrangements not made through a travel agent) must be insured within 14 days of payment for those arrangements.
GENERAL EXCLUSIONS
The benefits under this Policy will not be paid if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by any of the following:
1. Participation in a riot, civil disturbance or insurrection;
2. War or any act of war, whether declared or undeclared;
3. Detention or arrest by any branch of any government of any nation state recognized by the United Nations;
4. Violation of a criminal law, offense or infraction, whether cited or charged, by or on behalf of the Covered Person or Covered Person’s beneficiary.
GLOBAL MEDICAL PLAN
Definitions
Attending Physician means the Physician from whom treatment is sought for a Sickness or Accidental Injury.
Covered Trip means a trip that does not exceed 31 consecutive days and is of a distance greater than a 150-mile radius from the Covered Person’s Permanent Residence. If a trip exceeds 31 consecutive days, only the first 31 days of the trip, including any extension permitted under the Extension of Coverage provision, will be covered under the Policy. The purpose of the trip must not be to obtain medical care of any kind for which an insurance benefit is not available or not available under another insurance plan, and believed to be available under this Policy.
Emergency Medical Evacuation/Repatriation Benefit
Description of Benefits
An amount of insurance up to the amount shown in the Schedule of Benefits will be known as Emergency Medical Evacuation/Repatriation coverage. This benefit is in excess of other sources of insurance payable to the Covered Person.
Evacuation
If the Covered Person suffers from a Sickness that first manifests itself or from an Accidental Injury that occurs, while on a Covered Trip and requires Medically Necessary treatment, We will arrange and pay Reasonable and Customary services required for evacuation to the nearest adequate medical facility. This service will be arranged only if the Covered Person’s Attending Physician determines that adequate medical treatment is not locally available. Medically Necessary treatment must then be performed by a provider designated by Us. For a list of designated providers, please contact Us. Timely notification by the Covered Person to Us is required.
Medical evacuation services will be provided through a medical transportation specialist or, if appropriate, by Common Carrier Conveyance. Transportation will be arranged upon authorization from both the Covered Person’s Attending Physician and a medical provider authorized by Us who concurs that the Covered Person is experiencing a Sickness or Accidental Injury, and is in need of evacuation. When the Covered Person is confined in a medical facility more than 150 miles from a Permanent Residence and the Attending Physician and Our medical provider determine it is feasible and Medically Necessary to transfer the Covered Person to a medical facility nearer a Permanent Residence to recuperate in familiar surroundings, medical evacuation for the Covered Person will be provided. In no event will We pay more than the enrolled benefit amount, as shown in the Schedule of Benefits. Expenses will be paid only for the Covered Person suffering from an Accidental Injury or Sickness. No benefits will be paid for transportation or expenses for any person other than the Covered Person suffering from an Accidental Injury or Sickness.
If We have previously evacuated the Covered Person to a medical facility and the medical provider designated by Us determines that it is Medically Necessary for the Covered Person to be returned to the point of departure, We will pay the Covered Person’s medical evacuation airfare or Common Carrier Conveyance costs from that facility to the Covered Person’s return destination within one year from the Covered Person’s original Covered Trip Conclusion Date, less refunds from the Covered Person’s unused transportation tickets. This benefit will be
provided only if the medical provider designated by Us determines that the Covered Person’s medical condition will not substantially change within seven days following Hospital discharge or completion of treatment, thereby allowing the Covered Person to complete the Covered Trip as originally planned. Airfare costs will be of the same class as the Covered Person’s original tickets. We will not pay for services arranged without Our prior consent or approval.
Repatriation of Mortal Remains
When death occurs while on a Covered Trip We will pay the Reasonable and Customary expenses for the preparation and transportation of the Covered Person’s remains or ashes to the commercial airport nearest the Covered Person’s Permanent Residence. In no event will We pay more than the enrolled benefit amount. We must approve this service in advance.
Visitor To Covered Person’s Bedside
We will pay for economy class round trip transportation to the Covered Person’s bedside for one person in the event a Physician determines Hospital care of five days or more is warranted for the Covered Person during a Covered Trip. We must approve this service in advance.
Change of Flight
Should the Covered Person suffer an Accidental Injury or Sickness while on a Covered Trip which leaves him/her confined to a Hospital, and if due to this he/she is unable to return to his/her point of origin on the date originally scheduled, We will pay up to $100 for domestic flights and up to $200 for international flights associated with a ticket change for the Covered Person’s flight. This
coverage will be payable on tickets which have a scheduled return date. This benefit does not cover conditions or events that, on the date the Covered Person left, are either known or known to be likely to occur.
Emergency Medical and Dental Expense Benefit
Description of Benefits
If the Covered Person suffers from a Sickness that first manifests itself or from an Accidental Injury that occurs while on a Covered Trip and Medically Necessary treatment is required, the Emergency Medical and Dental Expense benefit is provided under the Policy up to the amount
shown in the Schedule of Benefits. The Emergency Medical and Dental Expense benefit is paid in excess of other sources of insurance available to the Covered Person. Initial treatment must take place during the Covered Trip. We will pay the Reasonable and Customary fee for Medically Necessary medical, surgical and dental treatment, and ground, air or water ambulance services. Care must be received from a medical provider authorized by Us.
The Covered Person will be provided with a 24-Hour Travel Assistance Hotline. If the Covered Person is admitted to a Hospital or clinic as an inpatient, the Covered Person must make an effort to notify Us within 48 hours of admission in order to confirm the conditions of coverage. The Covered Person must ask the treating Physician or facility to contact Us immediately so We can confirm coverage and arrange direct payment of the covered medical expenses. In no event may notice of a claim be provided to Us later than 30 days after completion of a Covered Trip.
Medical Benefit
If the Covered Person’s Accidental Injury or Sickness results in such Medically Necessary expenses as shown below, We will pay for the Reasonable and Customary expense incurred within 60 days from the date of the Accidental Injury or Sickness subject to the limits provided for in the Policy and shown in the Schedule of Benefits. Benefits payable will not exceed the Reasonable and Customary amounts. The first expense must be incurred within 48 hours of the initial Occurrence of the Accidental Injury or Sickness and outside of the 150-mile radius from the Covered Person’s Permanent Residence.
Such Medically Necessary expenses must be for:
1. Treatment by a Physician;
2. Medical services provided in a Hospital; or
3. The use of an ambulance within 48 hours of the initial Occurrence of the Accidental Injury or Sickness.
Dental Benefit
If the Covered Person’s Accidental Injury or Sickness results in Medically Necessary dental care, including any dental surgery, benefits are limited to Reasonable and Customary expenses incurred for the treatment of natural teeth only during a Covered Trip. The first expense must be incurred within 48 hours of the initial Occurrence of the Accidental Injury or Sickness and outside of the 150-mile radius from the Covered Person’s Permanent Residence. All benefits for dental care, including dental surgery, cease at the end of the Covered Trip.
We will not pay evacuation, repatriation or medical and dental expenses for:
1. Experimental procedures;
2. Benefits which the Covered Person is entitled to under any Worker’s Compensation act;
3. Any surgical or medical treatment which can reasonably be delayed until the Covered Person returns to or arrives at either a Temporary or Permanent Residence;
4. Any treatment or medication which at the time of departure is required to be continued during the Covered Trip;
5. Any repatriation of mortal remains costs not authorized by Us;
6. The additional cost of a single or private room at a Hospital except when the Physician treating the Covered Person considers it Medically Necessary;
7. Any dental appliance, any dental or medical prosthesis, hearing aids, contact or corneal lenses, or prescription glasses or spectacles to include any examination of the eyes for these purposes;
8. Cosmetic surgery, except surgery that is reconstructive, incidental and related to an Accidental Injury or Sickness;
9. Foot care, in connection with corns, calluses, flat feet, fallen arches, weak feet, chronic foot strain or symptomatic complaints of the feet;
10. Care in connection with the detection and correction, by manual or mechanical means, of structural imbalance, distortion or subluxation in the human body for purposes of removing nerve interference and the effects thereof, where such interference is the result of or related to distortion, misalignment or subluxation of or in the vertebral column;
11. Treatment provided in a government Hospital;
12. Rest, spa or bath cures, nursing home or custodial care;
13. Any transportation other than the medical evacuation/repatriation arranged by Us or use of an ambulance within 48 hours of the initial Occurrence of the Accidental Injury or Sickness.
Emergency Medical Evacuation/Repatriation and Emergency Medical and Dental Expense coverage is EXCESS over any other health, medical, dental or accident insurance coverage the Covered Person may have available to him/her. If We pay benefits to cover expenses incurred during a Covered Trip, We reserve the right to seek reimbursement from the Covered Person’s other health, medical, dental or accident insurance plans. Covered Persons must cooperate with Us if We seek to recover expenses from their primary health, medical, dental or accident insurance carrier.
Additional Exclusions Applicable to Emergency Medical Evacuation/Repatriation and Emergency Medical and Dental Expense
Benefits will not be paid if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by any of the following:
1. Any General Exclusion;
2. As applicable to the Emergency Medical and Dental Expense Benefit only, pre-existing conditions as defined in the Pre-Existing Conditions Exclusion with the exception of those pre-existing conditions waived and congenital anomalies of a Dependent child who is a Covered Person;
3. Any mental or emotional condition, whether diagnosed or undiagnosed;
4. Any addiction to drugs, alcohol, prescribed or non-prescribed medication or any other substance;
5. Pregnancy, resulting childbirth or abortion except to the extent coverage is required for Complications of Pregnancy;
6. Suicide, attempted suicide or intentionally self-inflicted injury while sane;
7. Consumption of alcohol at or in excess of the legal blood alcohol level in the state or locality in which the loss occurred;
8. Being under the influence of any drug unless taken as prescribed or administered on the advice of a Physician or Dentist;
9. Operating or learning to operate any aircraft as pilot or serving as a crew member;
10. Operating a motor vehicle without a current and valid operator’s license (except in a Driver’s Education Program);
11. Participation in professional sporting events (including training);
12. Intentional exposure to exceptional danger except in an attempt to save human life;
13. Fighting, brawling or injury from a firearm or knife or any other lethal instrument during a fight or brawl unless acting in self defense;
14. A condition:
a. For which a Covered Person is either receiving or on a waiting list to receive treatment,
b. With respect to which a Covered Person has received a terminal prognosis,
c. Which has caused a medical practitioner to advise against traveling or for which the Covered Trip is undertaken solely for the purpose of obtaining medical treatment;
15. Any activity directly related to and occurring while in the service of any armed military force of any nation state recognized by the United Nations.
Premiums
Designated Trip Payment Plan
The applicable single-trip premium will be due prior to the Covered Trip Departure Date.
Claims
Notice of Claim
Within 30 days after a covered loss occurs, notice of claim must be given to Us. If notice cannot be given within that time, it must be given as soon as reasonably possible. The notice must contain the Covered Person’s name, Policy identification number and a brief description of the loss and associated expenses. Notice of all claims must be given to Global Travel Shield, P.O. Box 792, Golden, CO 80402-0792 or by calling 1-800-332-4899 within the United States or collect to 1-(303)-273-6497 from anywhere else.
Claim Forms
Upon notice of claim, the Covered Person will be sent forms to file proof of loss. All information and evidence required by Us shall be furnished at the Covered Person’s or personal representative’ s expense and shall provide such forms and of such nature as We may prescribe. If the forms are not sent within 15 days after We receive notice, then the Covered Person must meet the proof of loss requirements by giving Us a written statement of the nature and extent of the loss. This must be sent to Us within 90 days after the date the loss occurs. If it is not reasonably possible to give Us written proof within 90 days, We will not reduce or deny a claim for this reason, if proof is filed as soon as reasonably possible.
Proof of Loss
Proof of loss must describe the incident, extent and the type of loss. Other documents may be requested by Us. A police motor vehicle accident report or a police incident report, if applicable, may be used to support proof of loss reports. We reserve the right to request additional information.
Written proof of loss must be sent to: Global Travel Shield, P.O. Box 792, Golden, CO 80402-0792. If the claim is for a continuing loss for which We make periodic payments, the claimant must give Us written proof of loss within 90 days after the end of each period for which benefits are payable.
For any other loss, written proof must be given to Us within 90 days after the loss. If proof of loss cannot be given by that time, it must be given as soon as reasonably possible. Except in the absence of legal capacity, the claimant must give written proof within one year of the time otherwise required.
Payment of Claims
Claims for benefits will be paid in accordance with state regulations when written proof of loss is received. Benefits that provide for periodic payment will be paid monthly. All benefits are paid directly to the Covered Person, except for medical benefits which may be paid directly to the provider of medical services. Any payment that We make in good faith will fully discharge Us to the extent of that payment.
TRIP CANCELLATION/INTERRUPTION
Definitions
Covered Trip means a period of one-way or round-trip travel by Common Carrier Conveyance whose purpose is business or pleasure and is not to obtain medical care of any kind, which has defined departure and return dates and which does not exceed 365 consecutive days from the date of departure. If the Covered Trip exceeds 365 consecutive days, only the first 365 days will be covered.
Financial Default means the complete suspension of operations due to financial situations, whether or not a bankruptcy petition is filed, or partial suspension of operations after the filing of a bankruptcy petition.
Terrorist Incident means an act, outside the context of declared or undeclared war or of any form of unrest or civil disturbance, committed by one or more persons, neither enlisted nor commissioned in the armed forces of any nation state, for the express or implied purpose of achieving a political, ethnic, or religious goal which causes physical damage to humans, property or infrastructure.
Description of Benefits
Trip Cancellation provides benefits for expenses the Covered Person incurs for Covered Trips cancelled up to the time and date of the Covered Trip Departure Date. Trip Interruption coverage provides benefits for expenses the Covered Persons incur for Covered Trips that are interrupted on or after the time and date of the Covered Trip Departure Date. We will pay this benefit if the Covered Person’s Covered Trip is cancelled or interrupted as a result of any of the following reasons:
1. Unexpected or unintended injury, illness or disease:
a. Which is so disabling, in the written opinion of a Physician or Dentist, as to reasonably cause the Covered Person to interrupt or cancel his/her Covered Trip;
b. Occurring to a Family Member or Traveling Companion that is considered life threatening; or
c. Occurring to a Family Member or Traveling Companion who requires the Covered Person’s care.
The injury, illness or disease must require examination or treatment by a Physician prior to the cancellation or interruption of the Covered Trip. The Covered Person must notify the appropriate travel supplier(s) of the Covered Person’s cancellation or interruption within 48
hours of a medical exam or treatment, unless the condition prevents it, and then as soon as possible. Failure to do so will result in a claim payment which is less than the penalty imposed for cancellation if the amount of the penalty was increased by the Covered Person’s failure to notify the appropriate travel supplier within the required time frame;
2. Death of a Covered Person, Family Member or Traveling Companion if the death occurs within 30 days of the Covered Persons’ scheduled Covered Trip Departure Date (but after the Covered Trip is purchased) or during the Covered Trip;
3. Unexpected or unintended circumstances, which are those events or consequences that could not have been reasonably foreseen or expected by the Covered Person, are outside the Covered Person’s control and reasonably and substantially impair the Covered Person’s
ability to travel. These circumstances must be other than injury, illness, disease, death, Financial Default or any coverage exclusion. For active duty members of the United States Armed Forces, unexpected or unintended circumstances will include official (written) revocation by a Unit Commanding Officer of previously approved (written) leave which is not due to war-related situations, full or partial mobilization or mass reassignment of Armed Forces personnel or invocation of the War Powers Act;
4. Unforeseeable, unexpected or unintended Financial Default or bankruptcy of any tour operator, hotel, resort, rental car company, other travel supplier or Common Carrier Conveyance, whose services or products constitute all or part of the Covered Person’s Covered Trip. Financial Default occurring on, before or less than seven days after the Coverage Effective Date of Trip Cancellation is not covered;
5. Supplier default; however, full coverage will be available only to those Covered Persons who do not travel on excluded suppliers and who purchase Trip Cancellation/Interruption coverage within 14 days of his/her initial trip payment;
6. Adverse weather or natural disasters resulting in the complete cessation of travel services for at least 24 hours;
7. Unexpected or unintended labor disputes resulting in the complete cessation of travel services for at least 24 hours;
8. The Covered Person’s Permanent or Temporary Residence becoming uninhabitable due to fire, flood, vandalism, burglary or natural disaster;
9. The Covered Person, Family Member or Traveling Companion being subpoenaed, required to serve on a jury or served with a court order, hijacked or quarantined prior to the Covered Trip Departure Date;
10. The Covered Person, Family Member or Traveling Companion being the victim of a felonious assault within 10 days prior to the Covered Trip Departure Date. Felonious assault is defined as an act of violence against a Covered Person, Family Member or Traveling Companion
requiring medical treatment in a Hospital. A cancellation or interruption due to a felonious assault inflicted by a Covered Person or a Family Member is not covered;
11. Unforeseeable, unintended or unexpected termination or layoff of employment by a Covered Person’s employer provided the Covered Person was continuously employed by the employer as a full or part-time permanent employee for two years prior to the termination or
layoff;
12. A Covered Trip delay that results in the loss of more than 50% of the Covered Person’s scheduled Covered Trip length. Covered Trip delay as it applies to this 50% loss of Covered Trip length includes: missed connections, delayed flight departure, flight cancellation, denied
boarding, traffic accident while commuting to a departure, Common Carrier Conveyance caused delays, lost or stolen passports, quarantine, hijacking, unannounced strike, natural disaster, or a civil disorder. Coverage will include transportation to a Permanent or Temporary Residence;
13. Common Carrier Conveyance caused delays due to adverse weather or as the result of labor disputes that affect public transportation;
14. Travel arrangements cancelled by a tour operator or Common Carrier Conveyance due to adverse weather or as a result of labor disputes that affect public transportation;
15. Required and mandatory evacuation ordered by local authorities at the Covered Person’s final destination due to hurricane or other natural disaster. The Covered Person must have at least 50% of the total Covered Trip length remaining on such Covered Trip at the time the mandatory evacuation ends in order to cancel or interrupt such Covered Trip;
16. A Terrorist Incident in the Covered Person’s city of destination occurring after the Coverage Effective Date. The Covered Person must be scheduled to arrive in that city within 30 days following the Terrorist Incident.
What Are Covered Expenses under Trip Cancellation/Interruption Coverage
A maximum benefit of up to the amount shown in the Schedule of Benefits is provided to cover certain expenses listed below which are related to Trip Cancellation/Interruption. Covered expenses mean:
1. Forfeited, published, nonrefundable payments or deposits incurred as a result of cancellation penalties imposed by tour operators and Common Carrier Conveyances, or change fees incurred in lieu of full penalties not including travel agency penalties. If the Covered Person’s
claim is covered due to the Pre-Existing Conditions Exclusion being waived, We will not pay any cancellation penalties to which the Covered Person was subject prior to the purchase of this coverage. If the Covered Person fails to notify the appropriate travel supplier(s) of the
cancellation within 48 hours of becoming aware of the need to cancel, We will pay only the cancellation penalties the Covered Person was subject to at that time. If the Covered Person is unable to notify the appropriate travel supplier within 48 hours due to a medical condition,
the Covered Person must notify them as soon as possible;
2. The charge incurred for an individual supplement if the Covered Person’s Traveling Companion or Family Member’s Covered Trip is cancelled, but the Covered Person’s is not;
3. Unused, nonrefundable arrangements, made by the Covered Person;
4. The greater of:
a. Additional transportation expenses to the Covered Person’s Permanent or Temporary Residence, less any refunds paid or payable, for one member of the Covered Person’s traveling party, not to exceed the cost of economy airfare or first class airfare if the Covered Person’s original tickets were first class; or
b. The value of the Covered Person’s unused airfare if the Covered Person must return to a Permanent or Temporary Residence due to a covered loss;
5. Reasonable additional accommodation and economy class transportation expenses combined (up to $150 per day) if the Covered Person, the Covered Person’s traveling Family Member or a Traveling Companion must remain in the Hospital or has been certified as medically unable to travel. This benefit is provided for a maximum of five days;
6. The charge to return the Covered Person’s vehicle to a Permanent or Temporary Residence if it is necessary for the Covered Person to interrupt the Covered Trip and return to a Permanent or Temporary Residence via alternate transportation as a result of a covered loss;
7. Reasonable, additional economy class transportation expenses needed to reach the Covered Person’s return destination or to travel from the place the Covered Trip was interrupted to the place where the Covered Person can rejoin the Covered Trip and the unused portion of any nonrefundable land, sea and air arrangements that were paid as part of the Covered Trip.
Additional Exclusions Under Trip Cancellation/Interruption Coverage
Benefits will not be paid if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by any of the following:
1. Any General Exclusion;
2. Common Carrier Conveyance-caused delays except as provided elsewhere in this coverage;
3. Travel preparations cancelled by a tour operator or Common Carrier Conveyance except as provided elsewhere in this coverage;
4. Changes in plans for reasons other than those specifically listed in this coverage;
5. Inability to obtain necessary travel documents (passports, visas, etc.), or being detained or having property confiscated by any customs authority;
6. Financial circumstances, for example personal bankruptcy, of the Covered Person, a Family Member, or Traveling Companion;
7. Business or contractual obligations of the Covered Person, a Family Member, or Traveling Companion;
8. Financial Default of the entity from whom the Covered Person purchased this insurance or of the travel agent through which the Covered Person made travel preparations, if the travel agent distributes this product for Us;
9. Any prohibition by or regulation of the government;
10. An event which happens prior to the Coverage Effective Date;
11. Pre-existing conditions as defined in the Pre-Existing Conditions Exclusion with the exception of those pre-existing conditions waived;
12. Suicide, attempted suicide or intentionally self-inflicted injury while sane;
13. Pregnancy, resulting childbirth or abortion except to the extent coverage is required for Complications of Pregnancy.
Premiums
Designated Trip Payment Plan
The applicable single-trip premium will be due on the Coverage Effective Date.
Duties of the Covered Person In The Event Of A Loss
The Covered Person must provide Us with documentation of the cancellation, interruption or delay and proof of the expenses incurred within 90 days or as soon as reasonably possible. Additionally, the Covered Person must provide proof of payment for the Covered Trip (cancelled checks, credit card statements, receipts, proofs of any refunds granted, copies of applicable tour operator or Common Carrier Conveyance cancellation policies/guidelines, proof of age for each party claiming benefits and any other information reasonably required to prove the loss occurred).
Claims that involve health care or death require a patient or representative of the patient to sign an authorization to release medical or other information and an attending Physician’s statement. The Covered Person will be required to supply Us with all unused air, rail, cruise or other tickets, if they are claiming the value of those unused tickets.
TRIP DELAY
Definitions
Business Effects means property that is used for and during the course of the Covered Person’s employment and which is tangible and has measurable cash value.
Covered Trip means:
1. A trip taken by the Covered Person between the point of departure and the final destination as shown on the Covered Person’s ticket; and
2. It is on a Scheduled Airline.
Covered Expenses mean:
1. Hotel accommodations;
2. Transportation;
3. Food; and
4. Necessities, which include, on an emergency basis, personal articles and Business Effects.
Total Covered Expenses may not exceed the benefit’s per day limit and must be reasonable and necessary.
Description of Benefits
We will reimburse the Covered Person for Covered Expenses incurred when no alternative onward transportation is made available to the Covered Person within 6 hours or by 11:00 p.m. of the same day (in the time zone of the missed connections, delayed flight, flight cancellation or denied boarding), whichever occurs first, as a result of:
1. The Covered Person’s confirmed onward connecting Scheduled Airline flight for a Covered Trip being missed at the transfer point due to the late arrival of the Covered Person’s incoming confirmed connecting Scheduled Airline flight;
2. The departure of a Covered Person’s confirmed Scheduled Airline flight for a Covered Trip from any airport being delayed or cancelled; or
3. The Covered Person being denied boarding of the aircraft due to overbooking.
Coverage will not be provided for the denied boarding of the aircraft due to overbooking when the Covered Person voluntarily denies boarding the flight in exchange for an offer/coupon by the Scheduled Airline.
Payment will not exceed per day limit as shown in the Schedule of Benefits for a maximum of two days. Coverage will be paid under only one benefit for any one Occurrence.
Additional Exclusions Applicable to Trip Delay
Benefits will not be paid if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by any of the following:
1. Any exclusion identified in Section V of the Policy;
2. Any act by customs or other governmental authority whether by voluntary consent, confiscation or requisition;
3. Riding in any capacity in a flying device other than as a passenger on a Scheduled Airline.
Premiums
Designated Trip Payment Plan
The applicable single-trip premium will be due prior to the Covered Trip Departure Date.
Claims
The Covered Person upon knowledge of any Occurrence likely to give rise to a claim shall immediately notify Us. All information and evidence required by Us shall be furnished at the expense of the Covered Person or his or her personal representative and shall be in such form and of such nature as We may prescribe. Notice of all claims must be given as soon as possible to Global Travel Shield, P.O. Box 792, Golden, CO 80402-0792, or call 1-800-332-4899 within the United States or collect to 1-(303)-273-6497 from anywhere else. The Covered Person must then complete documentation and sign the required claim form and return it to the address given above along with the requested documentation of loss. The claim form must be filed as soon as possible, but no later than six months following the date of loss. Requested documentation may include, but not be limited to:
1. Detailed hotel accommodation receipt(s);
2. Proof of Permanent Residence;
3. A copy of the airline ticket that includes the original booked ticket and the changed scheduled ticket;
4. Proof of the trip delay (such as a letter from the Scheduled Airline, newspaper clipping, weather report, police report or other evidence and proof of the expenses claimed as a result of the trip delay); or
5. Any other necessary expense receipts.
Note: This benefit is an EXCESS coverage. Claims for Trip Delay can be determined and paid only after the claim has been settled with and paid or denied by the Scheduled Airline responsible for the loss. If the airline pays the claim in full, such claim will not be subject to reimbursement under this benefit.
BAGGAGE PROTECTION
Definitions
Alighting means when a Covered Person is in the direct and immediate act of moving down, out, or off of the Scheduled Airline plane while on a Covered Trip. Once the Covered Person’s body has completely exited the Scheduled Airline plane, he or she is no longer alighting.
Baggage means each Covered Person’s suitcases or traveling bags, the contents of each, and the Covered Person’s personal effects that the Covered Person brings on a Covered Trip.
Boarding means when a Covered Person is in the direct and immediate act of getting on and entering into the Scheduled Airline plane while on a Covered Trip.
Business Effects means property that is used for and during the course of the Covered Person’s employment and which is tangible and has measurable cash value.
Covered Trip means:
1. A trip taken by the Covered Person between the point of departure and the final destination as shown on the Covered Person’s ticket; and
2. It is on a Scheduled Airline.
Replacement Cost means the lesser of the cost to repair or replace Baggage with new material or property of like kind and quality as a result of physical loss, theft, pilferage, and significant damage or destruction to the Baggage. Deduction for depreciation of the item will also be taken into consideration.
Description of Benefits
We will pay this benefit if the Covered Person’s Baggage is unexpectedly and unintentionally lost, damaged or stolen while on the Covered Trip, provided the Covered Person has taken all necessary precautions to preserve, protect and recover the property insured.
Checked Baggage Benefit
This benefit amount is paid for the Replacement Cost up to the amount shown in the Schedule of Benefits for checked Baggage while the Covered Person is riding solely as a passenger in, Boarding or Alighting from a Scheduled Airline plane. Bicycles are covered when checked as Baggage with a Scheduled Airline.
Carry-On Baggage Benefit
This benefit is paid for the Replacement Cost up to the amount shown in the Schedule of Benefits for carry-on Baggage while the Covered Person is riding as a passenger in, Boarding or Alighting from a Scheduled Airline plane or while upon any airport premises designated for passenger use, but only when the Covered Person is upon such premises immediately before Boarding or immediately after Alighting from a Scheduled Airline plane.
Delayed Checked Baggage Benefit
This benefit reimburses up to the amount shown in the Schedule of Benefits for the cost of replacing or renting, on an emergency basis, necessary personal articles and Business Effects contained in a Covered Person’s accompanying checked Baggage when the checked Baggage is not delivered, due to fault by the Scheduled Airline, within three of the Covered Person’s arrival at the Scheduled Airline destination. The Scheduled Airline destination must be other than an airport that services the Covered Person’s Permanent Residence. Such emergency purchases or rentals must be made prior to arrival of the delayed checked Baggage at the Scheduled Airline destination and within the region serviced by that airport. Bicycles are covered when checked as Baggage with a Scheduled Airline.
Hotel/Motel Personal Property Benefit
Benefits will be paid for the Replacement Cost to personal property and Business Effects if a loss occurs anywhere on the premises of a hotel or motel where the Covered Person is staying as a paying registered guest. Coverage is available when the Covered Person is staying at any hotel or motel immediately before leaving on, during, or immediately after arriving from a Covered Trip. This benefit is paid up to the Replacement Cost at the time of the loss of the covered property or the amount shown in the Schedule of Benefits, whichever is less.
Common Carrier Conveyance Benefit
This benefit is paid for the Replacement Cost up to the amount shown in the Schedule of Benefits for checked and carry-on Baggage while the Covered Person is riding as a passenger in a land Common Carrier Conveyance or a scheduled helicopter operated as a Common Carrier Conveyance, but only when going directly to an airport for the purpose of Boarding a Scheduled Airline plane or when leaving from an airport directly after Alighting from a Scheduled Airline plane.
Additional Exclusions Applicable to Baggage Protection
Benefits will not be paid if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by any of the following:
1. Any General Exclusion;
2. Any act by customs or other governmental authority whether by voluntary consent or by confiscation or requisition (except the Transportation Security Administration);
3. Mysterious disappearance (where there is an unknown time, place and manner of loss);
4. Defective workmanship, normal wear and tear and gradual deterioration.
Checked Baggage; Carry-On Baggage; Hotel/Motel Personal Property; Common Carrier Conveyance: The Policy does not pay for umbrellas; hats; personal effects worn on the Covered Person at the time of loss; keys; cash or its equivalent; notes, accounts, bills, currency, deeds, food stamps or other evidences of debt or intangible property; credit cards and other travel documents (including passports and visas); securities; tickets and documents; eyeglasses, sunglasses, contact lenses; hearing aids, artificial teeth and limbs; prescription or non-prescription drugs; food; plants and animals; automobiles and equipment; motorcycles and motors; aircraft, boats or other conveyances; property shipped as freight or shipped prior to the Covered Trip Departure Date or check-in date.
Delayed Checked Baggage: The Policy does not pay benefits for articles not contained in delayed checked Baggage; cash or its equivalent, notes, accounts, bills, currency, deeds, food stamps or other evidences of debt or other intangible property; credit cards and other travel documents (including passports and visas); securities; tickets and documents; food; prescription or non-prescription drugs; plants and animals; automobiles and equipment; motorcycles and motors; aircraft, boats or other conveyances; property shipped as freight or shipped prior to the Covered Trip Departure Date or check-in date.
Premiums
Designated Trip Payment Plan
The applicable single-trip premium will be due prior to the Covered Trip Departure Date.
Claims
Checked Baggage Benefit*
1. The Covered Person must promptly file a written report of the loss or damage with the airline, prior to leaving the terminal premises, and obtain a copy of the airline loss report.
2. The Covered Person must then call Us toll free at 1-800-332-4899 within the United States or collect to 1-(303)-273-6497 from anywhere else or write to Global Travel Shield, P.O. Box 792, Golden, CO 80402-0792 to obtain a claim form and instructions.
3. The Covered Person must then complete and sign the baggage claim form and return it with the form’s requested documentation of loss.
The claim form must be filed as soon as possible, but no later than 60 days following the date of loss.
Carry-On Baggage Benefit*/Common Carrier Conveyance Benefit*
1. The Covered Person must promptly file a written report of the loss or damage with a local law enforcement agency, Common Carrier Conveyance or the Scheduled Airline, and obtain a copy of the report.
2. The Covered Person must then proceed as instructed under Checked Baggage above at 2 and 3.
In the event of a covered claim for Checked Baggage, Carry-on Baggage or Common Carrier Conveyance benefits, We will pay the lesser of:
1. The actual purchase price of the item;
2. The Replacement Cost of the item at the time of loss; or
3. For non-receipted items We will pay 75% of the Replacement Cost of the item at the time of loss.
*These are excess coverage. The Policy is secondary to any coverage provided by a Common Carrier Conveyance, Scheduled Airline, or the Transportation Security Administration. Claims can be determined and paid only after the claim has been settled with and paid or denied by the Scheduled Airline, Common Carrier Conveyance or Transportation Security Administration. If a claim for Checked Baggage is completely denied under any primary coverage, such claim shall only be eligible for reimbursement under the Policy if the sole reason for complete denial is the specific exclusion of a particular item under the contract of coverage.
Delayed Checked Baggage Benefit
1. The Covered Person must promptly file a delayed checked Baggage report or Property Irregularity Report with the airline prior to leaving the terminal premises and obtain a copy of the report.
2. The Covered Person must allow three hours from the time of arrival at the Scheduled Airline destination for delivery of the delayed checked Baggage. If the delayed checked Baggage is not received within three hours, the Covered Person may purchase or rent clothing, toiletries or other necessary replacement articles on an emergency basis. Receipts for such purchases and rentals must be furnished when presenting the claim.
3. The Covered Person must, as soon as reasonably possible but not later than 30 days from the date of travel, call the toll-free number or write Us as provided in Checked Baggage.
4. The Covered Person must then proceed as instructed under Checked Baggage above at 2 and 3.
If a claim is made and a settlement received under Delayed Checked Baggage, the Covered Person cannot also make a claim, for the same or similar items not recovered, under the Checked Baggage benefit.
Hotel/Motel Personal Property Benefit
1. The Covered Person must promptly file a written report of the loss or damage with the hotel/motel or with a local law enforcement agency, and obtain copies of the report.
2. The Covered Person must then proceed as instructed under Checked Baggage above at 2 and 3.
The Hotel/Motel Personal Property benefit is excess to innkeeper’s liability insurance. Claims can be determined and paid only after the claim has been presented to the hotel/motel where the loss occurred, and a determination of the liability has been given in writing to the Covered Person by that hotel/motel or the insurance company providing innkeeper’s liability insurance to that hotel/motel.
AIRFLIGHT INSURANCE
Definitions
Alighting means when a Covered Person is in the direct and immediate act of moving down, out, or off of the Scheduled Airline plane while on a Covered Trip. Once the Covered Person’s body has completely exited the Scheduled Airline plane, he or she is no longer alighting.
Beneficiary means the person or entity designated on forms and in a manner approved by Us to receive benefits in the event of death. If no person or entity is designated, the Beneficiary will be determined by the terms of the Policy.
Boarding means when a Covered Person is in the direct and immediate act of getting on and entering into the Scheduled Airline plane while on a Covered Trip.
Covered Trip means:
1. A trip taken by the Covered Person between the point of departure and the final destination as shown on the Covered Person’s ticket; and
2. It is a trip on a Scheduled Airline.
Dismemberment means, with reference to hand or foot, complete and permanent severance through or above the wrist or ankle joint as a result of an Accident, and as used with reference to eye, means the irrecoverable loss of the entire sight thereof as a result of an Accident.
Home Care means care provided by a certified home health care agency which follows a home health care plan approved in writing by the Physician. Eligible benefits may include, but are not limited to, the following:
1. Part-time or intermittent home nursing care by or under the supervision of a registered professional nurse (R.N.);
2. Part-time or intermittent home health aide services which consist primarily of caring for the patient;
3. Physical, occupational or speech therapy if provided by the home health care service or agency; or
4. Medical supplies, drugs and medications prescribed by the Physician.
Each visit by a member of a home health care agency is considered one Home Care visit, and up to 4 hours of Home Care service is considered one Home Care visit.
Reasonable Medical Expenses means the charges made for the following Medically Necessary services and supplies as the direct result of an Accidental Injury:
1. Hospital room and board, supplies and services;
2. Surgical procedures or medical treatment by a Physician or Dentist; and
3. Private duty services of a licensed practical or registered nurse while Hospital confined.
Such expenses may not exceed the Reasonable and Customary charges in the geographic area involved.
Residence means either the Covered Person’s Permanent Residence or Temporary Residence.
Description of Benefits
| ACCIDENTAL DEATH | 100% |
| DISMEMBERMENT | |
| Loss of both hands or both feet | 100% |
| Loss of one hand and one foot | 100% |
| Loss of entire sight of both eyes | 100% |
| Loss of the entire sight of one eye and one hand or one foot | 100% |
| Loss of one hand or one foot | 50% |
| Loss of the entire sight of one eye | 50% |
| REASONABLE MEDICAL EXPENSE | 10% |
| HOME CARE | 40 visits |
Accidental Death or Dismemberment Benefit
If a Benefit Amount is payable under the When Benefits Are Payable provision, We will pay the applicable Benefit Amount if a Covered Person suffers an Accidental Death or Dismemberment. The Accidental Death or Dismemberment must occur within 100 days of the date of the Accident that caused the Accidental Death or Dismemberment. We will pay benefits for the greatest loss, either Accidental Death or one category of Dismemberment, sustained by the Covered Person as the result of any one Occurrence.
Medical Expense For Accidental Injury Benefit
If a Benefit Amount is payable under the When Benefits Are Payable provision, We will pay up to the maximum of the applicable Benefit Amount for Reasonable Medical Expenses incurred due to, and within 365 days of, any Covered Person’s Accidental Injury. Reasonable Medical Expenses are covered up to 10% of the enrolled benefit level.
Home Care Benefit
If a Benefit Amount is payable under the When Benefits Are Payable provision, We will pay up to the applicable Benefit Amount for Medically Necessary Home Care expenses incurred due to, and within 365 days of, a Covered Person’s Accidental Injury. Benefits for Home Care are
payable only if Hospital confinement or confinement to a facility providing nursing care would otherwise have been required.
When Benefits Are Payable
Scheduled Airline Benefit
This benefit is payable if the Covered Person suffers an Accidental Death, Accidental Injury or Dismemberment while riding solely as a passenger in, or while Boarding or Alighting from a Scheduled Airline flight on a Covered Trip.
Common Carrier Conveyance Benefit
During the Period of Coverage, this benefit is payable if the Covered Person suffers an Accidental Death, Accidental Injury or Dismemberment while riding solely as a passenger in a land Common Carrier Conveyance or a scheduled helicopter operated as a Common Carrier Conveyance, but only when going directly to an airport for the purpose of immediately Boarding a Scheduled Airline plane on a Covered Trip, or when leaving directly from an airport immediately after Alighting from a Scheduled Airline plane on a Covered Trip.
Airport Premises Benefit
During the Period of Coverage, this benefit is payable if the Covered Person suffers an Accidental Death, Accidental Injury or Dismemberment while upon any airport premises designated for passenger use, but only when the Covered Person is upon such premises immediately before Boarding or immediately after Alighting from a Scheduled Airline plane on a Covered Trip.
Exposure and Disappearance Benefit
Coverage will be provided for an Accidental Death, Accidental Injury, or Dismemberment as a result of the Covered Person being unavoidably exposed to the elements because of the disappearance, sinking, or wrecking of a Scheduled Airline plane while on a Covered Trip. If the Covered Person’s remains cannot be found within 52 weeks after the date of an Accident involving the disappearance, sinking or wrecking of the Scheduled Airline plane on which the Covered Person was a passenger while on a Covered Trip, it will be presumed, subject to the absence of evidence to the contrary, that the Covered Person suffered Accidental Death covered by the Policy.
Additional Exclusions Applicable to Airflight Insurance
Benefits will not be paid if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by any of the following:
1. Any General Exclusion;
2. Suicide, attempted suicide or intentionally self-inflicted injury while sane;
3. Driving, riding as a passenger in, entering or leaving a rental vehicle;
4. Pregnancy, resulting childbirth or abortion except to the extent coverage is required for Complications of Pregnancy;
5. Cosmetic surgery, except cosmetic surgery that is reconstructive, incidental and related to an Accidental Injury or Dismemberment;
6. Consumption of alcohol at or in excess of the legal blood alcohol level in the state or locality in which the loss occurred;
7. Being under the influence of any drug unless taken as prescribed or administered on the advice of a Physician or Dentist;
8. Operating or learning to operate any aircraft as pilot or serving as a crew member;
9. Any disease, illness or infirmity;
10. Pre-existing conditions as defined in the Pre-Existing Conditions Exclusion with the exception of those pre-existing conditions waived;
11. Any activity directly related to and occurring while in the service of any armed military force of any nation state recognized by the United Nations.
Premiums
Designated Trip Payment Plan
The applicable single-trip premium will be due prior to the Covered Trip Departure Date.
Beneficiary
You may name any person(s) to be Your Beneficiary or change Your Beneficiary at any time. For a Beneficiary designation to become effective, a written request on Our Beneficiary Designation form or on the enrollment request must be completed and filed with Us. To receive a Beneficiary Designation form, please contact Us at 1-800-332-4899. Any Beneficiary designations or changes made will take effect as of the date of the signed request. If death occurs prior to the date We receive and record the change, payment will be made to the new Beneficiary. The prior Beneficiary’s interest ends the date the new designation takes effect. If more than one Beneficiary is named without stating their respective interest, they will share equally.
Claims
Notice of Claim
The Covered Person or someone on his or her behalf must send Us written notice of claim within 30 days after the Occurrence which results in eligibility for payment of a Policy benefit or as soon as reasonably possible. Notice must be sent to Global Travel Shield, PO Box 792, Golden, CO 80402-0792 or call at 1-800-332-4899. The notice should include the Covered Person’s name, Policy Identification Number and an address to which the claim form should be sent.
Claim Forms
When We receive notice of claim, We will furnish the claimant with forms for filing proof of loss. If the claimant does not get the forms within 15 days, proof of loss can be filed without them. The claimant must send Us a letter which describes the Occurrence, the character and the extent of the loss for which the claim is made. This letter must be sent to Us within the time period stated in the next paragraph.
Proof of Loss
We must receive written proof of loss within 90 days after the date of the loss or as soon as is reasonably possible. Proof must, however, be furnished no later than one year from the time it is otherwise required, except in the absence of legal capacity. We will pay benefits immediately after We receive proper proof of a covered loss.
Payment of Claims
Accidental Death benefits will be paid to the designated Beneficiary. Benefits for all other losses sustained will be paid to the Covered Person, if living, otherwise to the designated Beneficiary. If more than one Beneficiary is designated and You have failed to specify the Beneficiaries’ respective interests, the designated Beneficiaries will share equally. If no Beneficiary has been designated, or if the designated Beneficiary does not survive the Covered Person, the benefits will be paid to the surviving person or equally to the surviving persons in the first of the following classes of successive preference beneficiaries in which there is a living member:
1. Spouse or Domestic Partner;
2. Children, equally per stirpes; or
3. The estate.
In determining such person or persons, We may rely upon an affidavit by a member of any of the classes of preference beneficiaries. Payment based upon any such affidavit will fully discharge Us from all obligations under the Policy unless, before such payment is made, We have received written notice of a valid claim by some other person. Any amount payable to a minor may be paid to the guardian of the estate of the minor.
If a benefit not exceeding $1,000 is payable to an estate or a minor, We may pay such benefit to any relative by blood or with a connection by marriage to the Covered Person who is deemed by Us to be entitled. Any payment We make in good faith shall fully discharge Us to the extent of such payment.
Settlement Method
Accidental Death and Dismemberment benefits will be paid in a single, lump sum.
24-Hour Accidental Death Insurance
Definitions
Covered Trip, under this 24-Hour Accidental Death Insurance benefit only, means a Covered Person’s travel during the Period of Coverage, which includes Scheduled Airline travel. The Covered Trip begins at 12:01 a.m. on the Covered Trip Departure Date and ends at 12:01 a.m.
on the date immediately following the Covered Trip Conclusion Date, provided the Covered Person actually uses the Scheduled Airline ticket, unless an Accidental Death occurs prior to the travel.
If a Covered Person travels on a Covered Trip to a Temporary Residence, the Covered Person will not be covered beginning at 12:01 a.m. on the 46th day of the Covered Trip and ending at 12:01 a.m. on the date the Covered Person departs from the Temporary Residence to conclude the Covered Trip.
Coverage Requirements
We will provide the following Accidental Death Insurance coverage to any Covered Person named on the enrollment form for which premium has been paid, the Airflight Insurance benefit is selected and We have received and validated an enrollment for this benefit. This coverage is not offered as a stand-alone benefit under the Policy and is hereby included in the Airflight Insurance benefit only.
Description of Benefits
The Company will pay, subject to all the terms and limitations herein, an Accidental Death benefit equal to $150,000 if a Covered Person’s Accidental Death occurs within 100 days from the date of the Accident which caused the Accidental Death and the Accident occurs during a Covered Trip; provided this benefit will not be payable if an Accidental Death benefit is payable with respect to the Covered Person under the Scheduled Airline Benefit, Common Carrier Conveyance Benefit, Airport Premises Benefit or Exposure and Disappearance Benefit.
The Company will pay, subject to the further terms and limitations of the Policy and not in addition to any other Accidental Death benefit payable under Airflight Insurance, the applicable Accidental Death Insurance benefit amount of $150,000 if:
1. The Covered Person is unavoidably exposed to the elements during a Covered Trip, and if as a result of such exposure the Covered Person’s death occurs, that death will be deemed an Accidental Death which occurred during the Covered Trip; or
2. If the Covered Person’s remains cannot been found within 52 weeks after the date of an Accident while on a Covered Trip, it will be presumed, subject to the absence of evidence to the contrary, that the Covered Person suffered Accidental Death covered by the Policy.
All other provisions of the Airflight Insurance coverage apply that are not inconsistent with this 24-Hr Accidental Death Insurance benefit.
24-HOUR TRAVEL ASSISTANCE HOTLINE
All Covered Persons under the Policy are eligible to use the 24-Hour Travel Assistance Hotline benefit.
Support Services Provided
Emergency Assistance- If a Covered Person needs emergency assistance for a covered Occurrence under the Policy, the Covered Person can call 1-800-332-4899 within the United States or collect to 1-(303)-273-6497 from anywhere else 24 hours a day, 7 days a week. Please have the Policy identification number, local telephone number, location and details of the situation readily available. We will confirm the Covered Person’s eligibility and assist the Covered Person with the situation.
If the Covered Person’s emergency needs call for immediate attention, he/she should acquire local assistance and then contact the Travel Assistance Hotline as soon as the Covered Person is reasonably able to do so. The Travel Assistance Hotline provider will do everything possible to assist the Covered Person immediately upon calling. Unfortunately, there are occasional situations beyond Our control that make providing support difficult. Our assistance providers will make every possible attempt to service the Covered Person during his/her emergency. Our assistance provider’s staff will do its very best to refer the Covered Person to appropriate and reputable providers located nearest him/her. However, Our assistance provider and We cannot be held liable for the outcome or quality of the care the Covered Person receives from these independent practitioners.
Support Service Availability
The assistance provider will have 24-hour availability, 7 days a week, and becomes available when the Covered Person actually initiates his/her Covered Trip. Hotline services expire the earliest of: midnight on the day the plan expires, when the Covered Person reaches his/her return destination or when the Covered Person completes his/her Covered Trip.
Basic Inquiries
Basic Inquiry- We will field calls from the Covered Person about contact numbers, general questions and any other non-emergency questions.
Benefits Inquiry- If the Covered Person should have questions about the specific benefits of this service, We will provide the information requested.
Service Only- If the Covered Person is in need of a general service that is not specifically listed, but is still attainable, We will do our best to provide this service.
Financial Assistance
Alternate Cash Source – We are capable of locating ATM’s around the United States and in many foreign cities.
Pre-trip Planning
Pre-trip Assistance – Before leaving on a Covered Trip, We can provide the Covered Person with information on the particular country they will be traveling to, such as passport/visa requirements, inoculations, and travel warnings.
Consulate/Embassy Referral–We will provide the Covered Person the address and/or phone number of the local embassy or consulate.
Weather Inquiry–This benefit provides the Covered Person with weather forecasts for destinations around the world. we can provide month-to-month averages as well as a short-term detailed forecast.
Foreign Exchange Rates – We are able to provide timely foreign exchange rates throughout the world.
Visa/Passport Requirements–We can provide the Covered Person with the entry requirements for destinations around the world.
Inoculation Information–We will provide the Covered Person with inoculation recommendations that may be needed prior to traveling to his/her destination.
Medical Assistance Level I (Medical Referral)
Medical Referral - If an emergency occurs during a Covered Trip that requires the Covered Person to seek urgent and immediate medical advice, the Covered Person should contact the 24-hour hotline to obtain the names and telephone numbers of local qualified Physicians and
Dentists that speak his/her language in the area. We are not providing medical advice but rather information; the ultimate choice to seek and accept medical care is the Covered Person’s responsibility.
Medical Assistance Level II
Medical Monitoring – If the Covered Person is hospitalized when traveling away from his/her Permanent Residence, Our medical advisors monitor the case from initial admission until discharge by maintaining close contact with the Covered Person’s attending Physician, family
Physician and family. Our medical advisors also help determine if adequate care is available locally, and if necessary, facilitate the evacuation of the Covered Person to the nearest appropriate medical facility.
Other Assistance Services
Lost Luggage/Document Assistance – We assist with the return of lost luggage by coordinating with the commercial carrier.
Legal Referral – We will provide the Covered Person with convenient legal referrals in his/her general area. The ultimate choice to seek and accept legal advice is the Covered Person’s responsibility.
Urgent Message Relay – We will provide for the contact of family and/or friends in the event of an emergency situation while the Covered Person is traveling.
Telephone Interpretation/Translation–We provide emergency telephone translation services in major languages and also makes referrals to interpreter services.
STATE EXCEPTIONS
Please take note of these significant state exceptions.
For Colorado residents:
- Under the Global Medical Plan, cannot exclude for mental disorders or addictions other than to drugs.
- Claims paid under the Global Medical Plan and Airflight Insurance will be paid within 45 days after receipt of due written proof of loss.
For residents of Georgia:
- Under the Entire Contract and Fraud and Material Misrepresentation provisions, coverage is not provided instead of being voided.
For residents of Indiana:
- A Free Look Provision is added. The Policy is voided and premium refunded entirely if policy returned within 30 days of receipt.
- Under the Global Medical Plan, the following additional benefit is provided:
“24-Hour Accidental Death or Dismemberment Benefit
We will pay the applicable Benefit Amount if the Covered Person suffers an Accidental Death or Dismemberment. The Accidental Death or Dismemberment must occur within 100 days of the date of the Accident that caused the Accidental Death or Dismemberment. The Accident must occur while on a Covered Trip, outside of the 150-mile radius from the Covered Person’s Permanent Residence, and during the Period of Coverage for the Emergency Medical and Dental Expense benefit. We will pay benefits for the greatest loss, either Accidental Death or one category of Dismemberment, sustained by the Covered Person as the result of any one Occurrence.”
| BENEFIT AMOUNT | |
| ACCIDENTAL DEATH | $25,000 |
| DISMEMBERMENT | |
| Loss of both hands or both feet | $25,000 |
| Loss of one hand and one foot | $25,000 |
| Loss of entire sight of both eyes | $25,000 |
| Loss of the entire sight of one eye and one hand or one foot | $25,000 |
| Loss of one hand or one foot | $12,000 |
| Loss of the entire sight of one eye | $12,000 |
- Under the Global Medical Plan, coverage is not excess. Instead the following provision applies:
“Other Insurance
With respect to the benefits provided by the Global Medical Plan (other than the 24-Hour Accidental Death or Dismemberment Benefit), if, other than Our coverage, valid coverage exists, unknown to Us prior to the Occurrence of a loss, which provides benefits for the same loss, Our liability will be the maximum benefit amount considered eligible under the terms of the Policy, if the total amount payable by all insurers does not exceed the total loss. If the amount payable by all insurers exceeds the total loss, Our liability will be that percentage of the total loss which our maximum eligible benefit amount represents in relation to the maximum eligible benefit amount of each of the other insurers when the coverage of all insurers is combined for the same loss. Valid coverage means any form of insurance regulated by state or federal government, with the exception of Medicaid. Covered Persons must be forthcoming with Us and cooperative with respect to other valid coverage, to include assisting Us with communications with all other insurers who bear a liability for the same loss.” - Claims paid under the Global Medical Plan and Airflight Insurance will be paid within 45 calendar days upon receipt of due written proof of loss.
- Under Airflight Insurance, exclusion # 3 is deleted.
For residents of Kansas:
- A Free Look Provision is added. The Policy is voided and premium refunded entirely if policy returned within 10 days of receipt.
- Legal Actions are not permitted after five years.
- The following provisions are added to the General Provisions section:
“Time Limit on Certain Defenses
After two years from the date of enrollment, no misstatements except fraudulent misstatements in the enrollment may be used to void the coverage or deny any claim for loss incurred after the expiration of such two-year period.
No claim shall be reduced or denied on the ground that a disease or physical condition not excluded from coverage existed prior to the Coverage Effective Date of this Policy unless the condition existed 60 days prior to and including the Coverage Effective Date.
Workers’ Compensation
Benefits will not be provided for losses related to a Covered Person’s job to the extent he/she is covered or is required to be covered by the Workers’ Compensation law. If a Covered Person enters into a settlement giving up his/her right to recover future benefits under a Worker’ Compensation law, this Policy will not pay benefits that would have been payable in absence of that settlement.”
- The definitions and any references to Reasonable and Customary and Traveling Companions are deleted. Covered Persons only include You and Your Dependents.
- Under the Global Medical Plan, coverage is not excess. For all other excess coverage, if one or more policies, plans or service contracts provide benefits on an excess insurance or an excess coverage basis, benefits shall first be paid by the company or service plan with whom the Covered Person’s policy or service contract has been in effect for the longer period of time on the date of loss.
- Under the Global Medical Plan, we will pay evacuation, repatriation or medical and dental expenses for #10 and 11.
For residents of Louisiana:
- Under the Entire Contract and Fraud and Material Misrepresentation provisions, the intent to deceive must be present. Also, for the Fraud and Material Misrepresentation provision only, coverage is not provided instead of being voided.
- Under Termination and Cancellation of Insurance, the Company will provide advance written notice of 30 days for # 7 and 10 days for #8. Reason #10 is deleted.
- Claims will be paid within 30 days after receipt of due written proof of loss.
For residents of Minnesota:
- To qualify as a Dependent, financial support and exemption on federal tax return are not required.
- In the first paragraph of the Pre-existing Conditions Exclusion, b) is deleted.
- Under the Global Medical Plan and Airflight Insurance, exclusion # 7 is replaced with:
- “Driving or operating a motor vehicle with Consumption of a blood alcohol level at or in excess of the legal blood alcohol level in the state or locality in which the loss occurred;”
For residents of Oregon:
- A Free Look Provision is added. The Policy is voided and premium refunded entirely if policy returned within 10 days of receipt.
- Under Airflight Insurance, the Accidental Death or Dismemberment must occur on or before 180 days of the date of the Accident that caused the Accidental Death or Dismemberment.
For residents of South Dakota:
- Legal Actions are not permitted after six years.
- The definition of Physician or Dentist is replaced with:
- “Physician or Dentist means a licensed practitioner of the healing arts, acting within the scope of his or her license for the service or treatment given. The treating Physician or Dentist may not be a Covered Person or any immediate family member. This exclusion does not apply in those areas in which the immediate family member is the only Physician in the area and acting within the scope of their normal employment.”
For residents of Tennessee:
- A Free Look Provision is added. The Policy is voided and premium refunded entirely if policy returned within 10 days of receipt.
For residents of Texas:
- Under the Fraud and Material Misrepresentation provision, intent to act must be present.
- The definition of Domestic Partner is replaced with:
"Domestic Partner" means persons who can meet all of the following qualifications:
1. Have resided with each other continuously for at least 12 months in a sole-partner relationship that is intended to be permanent;
2. Are not married to any other person;
3. Are at least 18 years old; and
4. Are financially interdependent as can be documented by copies of joint home ownership or lease, common bank accounts, credit cards, investments, or insurance.
- Under Termination and Cancellation of Insurance, We may not cancel or non-renew this Policy based solely on the fact that the Covered Person is an elected official.
For residents of Washington:
- Under the Fraud and Material Misrepresentation provision, the intent to deceive must be present.
- The following provision is added to the General Provisions section:
- “Time Limit on Certain Defenses
- After two years from the Enrollment Date of this Policy, no misstatements except fraudulent misstatements made by the Covered Person in the application for such Policy shall be used to void the Policy or to deny a claim for loss incurred commencing after the expiration of such two- year period.”
• Under Termination and Cancellation of Insurance, the Company will provide advance written notice of 10 days for #8 and 10.
- The General Exclusions section is replaced with: “Benefits will not be paid if the loss for which coverage is sought was directly and solely caused by any of the following or if any of the following initiated a sequence of events that results in a loss, regardless of the nature of any intermediate or final event in that sequence:
1. Participation in a riot, civil disturbance or insurrection;
2. War or any act of war, whether declared or undeclared;
3. Violation of a criminal law, offense or infraction by or at the direction of the Covered Person.”
- Under the Global Medical Plan, exclusions # 7 and 8 are deleted.
- Under Trip Cancellation/Interruption, Trip Delay and Baggage Protection, the lead in language is replaced and the following two exclusions are added:
“Benefits will not be paid if the loss for which coverage is sought was directly and solely caused by any of the following or if any of the following initiated a sequence of events that results in a loss, regardless of the nature of any intermediate or final event in that sequence:
Detention or arrest by any branch of any government of any nation state recognized by the United Nations;
Violation of a criminal law, offense or infraction, whether cited or charged, by or on behalf of the Covered Person or Covered Person’s beneficiary.”
- Under Airflight Insurance, exclusions # 6 and 7 are deleted.
For residents of Wyoming:
- Under the Excess Coverage provision, if one or more policies, plans or service contracts provide benefits on an excess insurance or an excess coverage basis, benefits shall first be paid by the company or service plan with whom the Covered Person’s policy or service contract has been in effect for the longer period of time on the date of loss.
- Under the Global Medical Plan, consumption of alcohol is covered if administered on the advice of a Physician or Dentist.
- Under the Global Medical Plan and Airflight Insurance, notice of claim must be provided within 60 days and claims will be paid within 45 calendar days upon receipt of due written proof of loss.
Global Travel Shield is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions or exclusions of the Policy and is subject to change with notice. This document does not supplement or replace the Policy.
SAMPLE ONLY 02/2009
Phoenix, AZ