Travel Guard Flight Guard

This is only a brief description of the insurance coverage(s) available under policy series T30253AHAC. The Policy contains reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between this document and the Policy, the Policy shall govern.

Blanket Travel Accident Insurance

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

PLEASE READ THIS DOCUMENT CAREFULLY!

Insurance Coverage

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

Effective Date: The insurance will be effective when premium is received by Travel Guard.

Losses the Insurer Covers: The Insurer will pay this benefit if the insured is injured while riding as a passenger in or boarding or alighting from a certified passenger aircraft provided by a regularly scheduled airline or charter and operated by a properly certified pilot.
The Insurer will pay the Flight Accident Benefit (amount shown on the reverse side, for which premium has been paid) for loss of life, both hands or feet, sight of both eyes, or loss of one hand or foot and sight of one eye when such double losses are the result of the same accident. One-half of the benefit is payable for the loss of one hand or foot or the sight of one eye. If the insured suffers more than one loss from the accident, the Insurer will pay only for the loss with the larger benefit. Loss of hand or foot means complete severance at or above the wrist or ankle joint. The Insurer will not pay more than 100% of the principal sum for all losses due to the same accident. Loss of sight of an eye means complete and irrecoverable loss of sight. Loss must be within 365 days of the accident. The Insurer will pay for loss of life if your body has not been found within one year of the accident. The Insurer's maximum total liability resulting from the same occurrence will be $10,000,000. The Insurer will pay up to the maximum amount purchased, not to exceed $500,000 per occurrence to or on account of any person injured through Travel Guard International.

Exclusions:

Benefits will not be provided for any loss resulting (in whole or in part) from:

(a) suicide, or attempted suicide, or intentionally self-inflicting injury or any attempt at intentionally self-inflicted injury; (b) Sickness or disease whether the loss results directly or indirectly from any of these; (c) war or act of war, whether declared or not, civil commotion, insurrection or riot; (d) operating or learning to operate, any aircraft, as a student, pilot or crew; (e) riding as a pilot, crew member or student pilot on any aircraft or device for aerial navigation; (f) air travel on any air-supported device, other than a regularly scheduled airline or air charter company; (g) injury sustained while committing or attempting to commit a crime; (h) stroke or celebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm.

What To Do If A Loss Occurs: Notify Travel Guard, 1145 Clark Street, Stevens Point, WI 54481.

Payment of Claims: All claims of California claims will be administered by Mercury Claims Administrator Services, LLC.

To Whom Paid: Benefits paid on account of Insured's death will be paid to: 1) His/her spouse, if living, 2) If not, in equal shares to his/her living children, 3) If there are none, in equal shares to his/her living parents, 4) If there are none, in equal shares to his/her living brothers/sisters, 5) If there are none, to his/her estate. If you wish to designate a different beneficiary, this designation must be in writing and filed with the Insurer, or filed with the Insurer or their administrator if the Insurer has agreed in advance.

If a benefit is payable to the Insured's estate, or to a minor or other person who is incapable of giving a valid release, The Insurer may pay up to to a relative or other person who has assumed care or custody of the Insured. Any payment the Insurer makes in good faith fully discharges us to the extent of that payment. All other benefits will be payable to the Insured. However, if he/she has assigned his/her benefits, the Insurer will honor the assignment, if the Insurer has a signed copy of the assignment. The Insurer is not responsible for the assignment's validity or sufficiency.

The policy may be purchased by anyone in the U.S.

Travel Guard's products are underwritten by:

American International Companies, members of American International Group, Inc. (AIG).