Optional Coverages. Flight Guard... Amount Selected (Up to a Max. of $500,000) Basic Plan Cost

Transcription

1 Basic Travel Insurance & Global Assistance Essential Basic Plan for residents of Colorado Cover your investment from those unforeseen circumstances that may arise before or during your trip. The Basic Plan provides valuable coverage at an affordable price. Insurance Coverages SCHEDULE OF BENEFITS MAXIMUM LIMIT COVERAGE PER PERSON The following will be included if elected and appropriate costs have been paid. Optional coverages will vary by state. Trip Cancellation Trip Interruption Flight Guard... Amount Selected (Up to a Max. of,000) Car Rental Collision Coverage... $35,000 ($250 Deductible) Trip Interruption Return Air Only Trip Delay (Maximum $100/day) Baggage & Personal Effects ($50 deductible) $100 $10,000 $100,000 Baggage Delay Accident Sickness Medical Expense ($50 deductible) and Repatriation of Remains The following non-insurance services are provided by Travel Guard: Travel Medical Assistance... Included Worldwide Travel Assistance... Included LiveTravel Emergency Assistance... Included Personal Security Assistance... Included Coverage varies by state. For complete coverage information, please refer to the Certificate of Insurance or Policy for your state of residency prior to purchase by visiting Basic Plan Cost $ 1 - $ 250 $ $ 500 $ $ 1,000 $ 1,001 - $ 1,500 $ 1,501 - $ 2,000 $ 2,001 - $ 2,500 $ 2,501 - $ 3,000 $ 3,001 - $ 3,500 $ 3,501 - $ 4,000 $ 4,001 - $ 4,500 $ 4,501 - $ 5,000 $ 5,001 - $ 5,500 $ 5,501 - $ 6,000 $ 6,001 - $ 6,500 $ 6,501 - $ 7,000 $ 7,001 - $ 8,000 $ 8,001 - $ 9,000 $ 9,001 - $ 10,000 $ 0* PRICING BELOW IS NOT APPLICABLE TO RESIDENTS OF CA, KS, MD, MT, NY AND WA. Per Person AGE (up to 30 days) $ 16 $ 19 $ 27 $ 41 $ 52 $ 63 $ 76 $ 91 $ 103 $ 117 $ 148 $ 163 $ 175 $ 188 $ 212 $ 230 $ 251 $ 272 $ 9 $ 24 $ 30 $ 41 $ 63 $ 80 $ 96 $ 116 $ 139 $ 156 $ 177 $ 223 $ 247 $ 266 $ 289 $ 328 $ 359 $ 391 $ 423 $ 11 $ 32 $ 39 $ 55 $ 81 $ 103 $ 124 $ 149 $ 179 $ 200 $ 226 $ 283 $ 314 $ 339 $ 368 $ 419 $ 458 $ 498 $ 538 $ 16 $ 42 $ 48 $ 69 $ 100 $ 128 $ 154 $ 185 $ 221 $ 246 $ 276 $ 344 $ 381 $ 413 $ 448 $ 510 $ 559 $ 607 $ 655 $ 26 $ 62 $ 67 $ 98 $ 135 $ 177 $ 210 $ 250 $ 297 $ 330 $ 368 $ 456 $ 505 $ 545 $ 590 $ 671 $ 733 $ 796 $ 858 $ 42 $ 82 $ 89 $ 130 $ 179 $ 234 $ 278 $ 331 $ 394 $ 438 $ 487 $ 602 $ 668 $ 723 $ 785 $ 895 $ 981 $ 1,064 $ 1,146 $ 55 $ 109 $ 116 $ 171 $ 229 $ 305 $ 356 $ 422 $ 499 $ 553 $ 613 $ 755 $ 836 $ 904 $ 979 $ 1,114 $ 1,219 $ 1,321 $ 1,423 $ 77 Above rates do not include a $7 service fee. ($5 for NH residents.) Please choose your plan cost from the above pricing chart based on your age at the time of plan purchase. For trips over $10,000, or trips exceeding 30 days, visit or call Pricing available up to $100,000 trip cost. You must insure all prepaid, non-refundable portions of your trip. Coverage must be purchased at least 24 hours prior to departure. All travelers listed on this plan must reside at the same address. If any travelers reside at a different address, a separate plan must be purchased. * Only applicable if there are no prepaid, non-refundable trip costs. Questions? To purchase insurance, please contact Travel Guard. C A L L T O L L -FREE:

2 THIS IS A BRIEF OUTLINE OF COVERAGE RESTRICTIONS APPLY Coverage varies by state. For complete coverage information, please refer to the Certificate of Insurance or Policy for your state of residency prior to purchase by visiting Travel Insurance Coverage Trip Cancellation/Trip Interruption: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefi ts for Trips that are canceled or interrupted due to covered reasons such as: Sickness, injury, or death of you, a Family Member, Traveling Companion, or Business Partner; Inclement Weather; Strike; Primary Residence or Destination being made Uninhabitable; being subpoenaed, required to serve on a jury, hijacked, or quarantined; military service; a Terrorist Incident; and involuntary termination of employment or layoff. For a complete list of covered reasons, refer to the Certifi cate of Insurance or Policy. Trip Interruption Return Air Only: Reimburses the additional airline transportation expenses incurred by you to reach the return destination for trip interruptions. (Not available for NY residents.) Trip Delay: Reimburses up to $100 per day/per person up to the Maximum Limit shown on the Schedule of Benefi ts for Reasonable Additional Expenses if the insured is delayed for more than 12 consecutive hours due to a covered reason. Baggage Insurance Coverage Baggage & Personal Ef fects: Can reimburse you if your baggage or personal effects are lost, stolen or damaged while on your Trip, subject to the Maximum Benefi t. This coverage is in excess of any other coverage or indemnity. Baggage Delay: If your Baggage is delayed more than 24 hours, you can be reimbursed for the purchase of Necessary Personal Effects, subject to the Maximum Benefi t. Medical Expense & Other Insurance Coverage Accident Sickness Medical Expense: Pays up to the Maximum Benefi t shown on the Schedule of Benefi ts for necessary medical expenses due to Injury or Sickness incurred while on a Trip. Initial treatment must be received while on a Trip with a Destination of at least 100 miles from the Insured s Primary Residence. This coverage is in excess of any other coverage or indemnity. & Repatriation of Remains: Covers evacuation and transportation as directed by a Physician to the nearest adequate medical facility (home in the event of death or if medically required). Injury or Sickness requiring evacuation must occur while on a Trip with a Destination of at least 100 miles from the Insured s Primary Residence. Pays for special medical escort if recommended in writing by the attending Physician. Flight Guard : Coverage for accidental death or dismemberment that occurs when traveling on a regularly scheduled fl ight or charter, subject to the Maximum shown in the Schedule. Amount selected from the minimum of $100,000 up to a maximum of,000. (Not available for NH and MT residents.) Car Rental Collision Coverage: $35,000 in primary coverage, subject to a $250 deductible. Covers physical damage to a rental car for which the car rental contract would hold you responsible. (Not available for KS or TX residents.) are arranged by Travel Guard and provided through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the customer. Travel Medical Assistance: A menu of services available for emergency medical requests, including prescription replacement assistance, physician referrals, medical evacuations, and more. Worldwide Travel Assistance: Assistance with any travel emergency or request for general travel information, including lost, stolen or delayed baggage; replacing lost passport or travel documents; emergency cash transfers; pre-trip travel advice; inoculation information and more. LiveTravel Emergency Assistance: 24-hour hotline to make emergency travel changes, such as rebooking fl ights, hotel reservations, tracking lost luggage and more. Personal Security Assistance: Assistance to help maintain personal safety and personal information while traveling. Services include evacuation assistance, 24/7 access to security and safety advisories and more. Notice to residents of MT: Optional Flight Guard not available. Notice to residents of NY: Trip Interruption-Return Air Only is not available. Notice to residents of AK, IL, IN, KS and MI: Baggage & Personal Effects coverage is primary. Notice to residents of AK, CT, IL, IN, KS, MT, SD, TX and WA: Accident Sickness Medical Expense coverage is primary. PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company will not pay for any Loss or expense incurred as the result of an injury, Sickness, or other condition of you, a Traveling Companion, Business Partner, or Family Member which, within the 180-day period immediately preceding and including your coverage effective date: (a) fi rst manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care, or treatment; (b) for which care or treatment was given or recommended by a physician; or (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the prescription drugs or medicines. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefi ts but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc (Travel Guard). California lic. no.0b93606, 3300 Business Park Drive, Stevens Point, WI 54482, CA DOI toll free number: HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 15th Floor, New York, NY It is currently authorized to transact business in all states and the District of Columbia. NAIC No Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefi ts, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the travel retailer. Travel assistance services provided by Travel Guard. Basic/Essential Basic AF PR 03/25/15

3 Silver Travel Insurance & Global Assistance Essential Expanded Plan for residents of Colorado Cover your trip investment from those unforeseen circumstances that may arise before or during your trip. The Silver Plan provides valuable coverage at an affordable price and includes a waiver of Pre-existing Medical Condition Exclusion if insurance is purchased within 15 days of the initial trip payment. Insurance Coverages Extra Coverage SCHEDULE OF BENEFITS MAXIMUM LIMIT $750 $200 $15,000 $150,000 COVERAGE PER PERSON Trip Cancellation Trip Interruption Trip Interruption Return Air Only Trip Delay (Maximum $100/day) Baggage & Personal Effects ($50 deductible) Baggage Delay Accident Sickness Medical Expense ($50 deductible) and Repatriation of Remains The following will be included if elected and appropriate costs have been paid. Optional coverages will vary by state. Flight Guard... Amount Selected (Up to a Max. of,000) Car Rental Collision Coverage... $35,000 ($250 Deductible) Upgrade:...Additional $150,000 Coverage varies by state. For complete coverage information, please refer to the Certificate of Insurance or Policy for your state of residency prior to purchase by visiting (when coverage is purchased within 15 days of Initial Trip Payment) Pre-Existing Medical Condition Exclusion Waiver Trip Cancellation/Interruption due to Financial Default coverage $25,000 in Flight Guard coverage* * Not available to residents of MT and NY. The following non-insurance services are provided by Travel Guard: Travel Medical Assistance... Included Worldwide Travel Assistance... Included LiveTravel Emergency Assistance... Included Concierge Services... Included Personal Security Assistance... Included Family Coverage: At no additional charge, the plan covers one child age 17 and under per paying adult, who is booked to travel with and is related to the primary adult named on the enrollment form. Offer does not apply to optional coverages. For your plan to include kids at no additional cost, the child s trip cost must be equal to or less than the adult traveler(s) trip cost. Silver Plan Cost $ 1 - $ 250 $ $ 500 $ $ 1,000 $ 1,001 - $ 1,500 $ 1,501 - $ 2,000 $ 2,001 - $ 2,500 $ 2,501 - $ 3,000 $ 3,001 - $ 3,500 $ 3,501 - $ 4,000 $ 4,001 - $ 4,500 $ 4,501 - $ 5,000 $ 5,001 - $ 5,500 $ 5,501 - $ 6,000 $ 6,001 - $ 6,500 $ 6,501 - $ 7,000 $ 7,001 - $ 8,000 $ 8,001 - $ 9,000 $ 9,001 - $ 10,000 $ 0 Upgrade PRICING BELOW IS NOT APPLICABLE TO RESIDENTS OF CA, KS, MD, MT, NY AND WA. Per Person AGE (up to 30 days) $ 18 $ 21 $ 30 $ 42 $ 56 $ 72 $ 84 $ 104 $ 121 $ 134 $ 152 $ 178 $ 210 $ 241 $ 250 $ 326 $ 347 $ 369 $ 11 $ 28 $ 32 $ 45 $ 65 $ 86 $ 110 $ 129 $ 160 $ 185 $ 204 $ 234 $ 272 $ 320 $ 367 $ 381 $ 495 $ 528 $ 561 $ 17 $ 42 $ 47 $ 65 $ 91 $ 119 $ 152 $ 177 $ 219 $ 254 $ 281 $ 320 $ 373 $ 440 $ 507 $ 524 $ 686 $ 730 $ 774 $ 28 $ 53 $ 58 $ 80 $ 112 $ 147 $ 187 $ 218 $ 269 $ 312 $ 344 $ 392 $ 457 $ 538 $ 619 $ 641 $ 837 $ 891 $ 945 $ $ 65 $ 72 $ 100 $ 139 $ 183 $ 233 $ 271 $ 335 $ 389 $ 430 $ 489 $ 571 $ 674 $ 777 $ 803 $ 1,054 $ 1,120 $ 1,187 $ 43 $ 87 $ 96 $ 132 $ 185 $ 242 $ 308 $ 360 $ 444 $ 514 $ 569 $ 647 $ 755 $ 889 $ 1,023 $ 1,059 $ 1,384 $ 1,473 $ 1,562 $ 61 $ 113 $ 125 $ 172 $ 241 $ 318 $ 404 $ 479 $ 589 $ 680 $ 750 $ 860 $ 1,002 $ 1,173 $ 1,344 $ 1,396 $ 1,804 $ 1,926 $ 2,049 $ 79 $ 3 $ 4 $ 5 $ 9 $ 12 $ 15 $ 22 Above rates do not include a $7 service fee. ($5 for NH residents.) Please choose your plan cost from the above pricing chart based on your age at the time of plan purchase. For trips over $10,000, or trips exceeding 30 days, visit or call Pricing available up to $100,000 trip cost. You must insure all prepaid, non-refundable portions of your trip. Coverage must be purchased at least 24 hours prior to departure. All travelers listed on this plan must reside at the same address. If any travelers reside at a different address, a separate plan must be purchased. Only applicable if there are no prepaid, non-refundable trip costs. Questions? To purchase insurance, please contact Travel Guard. C A L L T O L L -FREE:

4 THIS IS A BRIEF OUTLINE OF COVERAGE RESTRICTIONS APPLY Coverage varies by state. For complete coverage information, please refer to the Certificate of Insurance or Policy for your state of residency prior to purchase by visiting Travel Insurance Coverage Trip Cancellation/Trip Interruption: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefi ts for Trips that are canceled or interrupted due to covered reasons such as: Sickness, injury, or death of you, a Family Member, Traveling Companion, or Business Partner; Financial Default of an airline, cruise line, or tour operator when coverage is purchased within 15 days of initial trip payment; Inclement Weather; Strike; Primary Residence or Destination being made Uninhabitable; being subpoenaed, required to serve on a jury, hijacked, or quarantined; military service; a Terrorist Incident; and involuntary termination of employment or layoff. For a complete list of covered reasons, refer to the Certifi cate of Insurance or Policy. Trip Interruption Return Air Only: Reimburses the additional airline transportation expenses incurred by you to reach the return destination for trip interruptions. (Not available for NY residents.) Trip Delay: Reimburses up to $100 per day/per person up to the Maximum Limit shown on the Schedule of Benefi ts for Reasonable Additional Expenses if the insured is delayed for more than 12 consecutive hours due to a covered reason. Baggage Insurance Coverage Baggage & Personal Ef fects: Can reimburse you if your baggage or personal effects are lost, stolen or damaged while on your Trip, subject to the Maximum Benefi t. This coverage is in excess of any other coverage or indemnity. Baggage Delay: If your Baggage is delayed more than 24 hours, you can be reimbursed for the purchase of Necessary Personal Effects, subject to the Maximum Benefi t. Medical Expense & Other Insurance Coverage Accident Sickness Medical Expense: Pays up to the Maximum Benefi t shown on the Schedule of Benefi ts for necessary medical expenses due to Injury or Sickness incurred while on a Trip. Initial treatment must be received while on a Trip with a Destination of at least 100 miles from the Insured s Primary Residence. This coverage is in excess of any other coverage or indemnity. & Repatriation of Remains: Covers evacuation and transportation as directed by a Physician to the nearest adequate medical facility (home in the event of death or if medically required). Injury or Sickness requiring evacuation must occur while on a Trip with a Destination of at least 100 miles from the Insured s Primary Residence. Pays for special medical escort if recommended in writing by the attending Physician. Flight Guard : Coverage for accidental death or dismemberment that occurs when traveling on a regularly scheduled fl ight or charter, subject to the Maximum shown in the Schedule. Amount selected from the minimum of $100,000 up to a maximum of,000. (Not available for NH and MT residents.) Car Rental Collision Coverage: $35,000 in primary coverage, subject to a $250 deductible. Covers physical damage to a rental car for which the car rental contract would hold you responsible. (Not available for KS or TX residents.) Upgrade: Valuable addition to increase your coverage. Your benefi t will double. are arranged by Travel Guard and provided through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the customer. Travel Medical Assistance: A menu of services available for emergency medical requests, including prescription replacement assistance, physician referrals, medical evacuations, and more. Worldwide Travel Assistance: Assistance with any travel emergency or request for general travel information, including lost, stolen or delayed baggage; replacing lost passport or travel documents; emergency cash transfers; pre-trip travel advice; inoculation information and more. LiveTravel Emergency Assistance: 24-hour hotline to make emergency travel changes, such as rebooking fl ights, hotel reservations, tracking lost luggage and more. Concierge Services: Whatever you need, whenever, wherever you need it, you can call on your own personal assistant to help. Services include tee time reservations, restaurant referrals and reservations, wireless device assistance, sporting or theater tickets, and more. Personal Security Assistance: Assistance to help maintain personal safety and personal information while traveling. Services include evacuation assistance, 24/7 access to security and safety advisories and more. Notice to residents of AK: The 15 day purchase rules will be 21 days. Notice to residents of MT: The following benefi ts are not available: Optional Flight Guard, Upgrade. Notice to residents of NY: The following benefi ts are not available: Trip Interruption-Return Air Only, Upgrade. Notice to residents of AK, IL, IN, KS and MI: Baggage & Personal Effects coverage is primary. Notice to residents of AK, CT, IL, IN, KS, MT, SD, TX and WA: Accident Sickness Medical Expense coverage is primary. PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company will not pay for any Loss or expense incurred as the result of an injury, Sickness, or other condition of you, a Traveling Companion, Business Partner, or Family Member which, within the 180-day period immediately preceding and including your coverage effective date: (a) fi rst manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care, or treatment; (b) for which care or treatment was given or recommended by a physician; or (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the prescription drugs or medicines. PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER: The Company will waive this exclusion if you meet the following conditions: 1. You purchase the plan within 15 days of making your initial trip payment; 2. The amount of Trip Cancellation coverage purchased must equal the full cost of all prepaid, non-refundable payments or deposits applicable to the Trip at the time of purchase and the cost of any subsequent arrangement(s) added to the same Trip must be insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s); 3. You must be medically able to travel when you pay your plan cost; 4. The does not exceed $100,000 per person (only applicable to Trip Cancellation/Interruption). This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefi ts but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc (Travel Guard). California lic. no.0b93606, 3300 Business Park Drive, Stevens Point, WI 54482, CA DOI toll free number: HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 15th Floor, New York, NY It is currently authorized to transact business in all states and the District of Columbia. NAIC No Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefi ts, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the travel retailer. Travel assistance services provided by Travel Guard. Silver/Essential Expanded AF PR 03/25/15

5 Gold Travel Insurance & Global Assistance For residents of Colorado, the Plan is referred to as Protect Assist Cover your trip investment from those unforeseen circumstances that may arise before or during your trip. The Gold Plan provides valuable coverage at an affordable price and includes a waiver of Pre-existing Medical Condition Exclusion if insurance is purchased within 15 days of the initial trip payment. Insurance Coverages SCHEDULE OF BENEFITS MAXIMUM LIMIT 150% of Insured $750 $750 $250 $300 $25,000,000 $10,000 Trip Cancellation Trip Interruption Trip Interruption Return Air Only Trip Delay (Maximum $150/day) Missed Connection Baggage & Personal Effects Baggage Delay COVERAGE PER PERSON Accident Sickness Medical Expense and Repatriation of Remains Accidental Death & Dismemberment The following will be included if elected and appropriate costs have been paid. Optional coverages will vary by state. Cancel for Any Reason...50% of Insured (Can only be purchased at the time the base plan is purchased and within 15 days of initial Trip payment) Flight Guard... Amount Selected (Up to a Max. of,000) Car Rental Collision Coverage... $35,000 ($250 Deductible) Medical Expense & Upgrade: Accident Sickness Medical Expense......Additional $25,000...Additional,000 Hospital of Choice...Included Coverage varies by state. For complete coverage information, please refer to the Certificate of Insurance or Policy for your state of residency prior to purchase by visiting Extra Coverage (when coverage is purchased within 15 days of Initial Trip Payment) Pre-Existing Medical Condition Exclusion Waiver Trip Cancellation/Interruption due to Financial Default coverage $250 Additional Missed Connection* $50,000 in Flight Guard coverage** Primary Accident Sickness Medical Expense*** * Not available to residents of MT. ** Not available to residents of MT and NY. ***Medical Expense coverage is automatically primary for residents of AK, CT, IL, IN, KS, MI, MT, NY, SD, TX and WA. Gold Plan Cost $ 1 - $ 250 $ $ 500 $ $ 1,000 $ 1,001 - $ 1,500 $ 1,501 - $ 2,000 $ 2,001 - $ 2,500 $ 2,501 - $ 3,000 $ 3,001 - $ 3,500 $ 3,501 - $ 4,000 $ 4,001 - $ 4,500 $ 4,501 - $ 5,000 $ 5,001 - $ 5,500 $ 5,501 - $ 6,000 $ 6,001 - $ 6,500 $ 6,501 - $ 7,000 $ 7,001 - $ 8,000 $ 8,001 - $ 9,000 $ 9,001 - $ 10,000 $ 0 Medical Expense & Upgrade The following non-insurance services are provided by Travel Guard: Travel Medical Assistance... Included Worldwide Travel Assistance... Included LiveTravel Emergency Assistance... Included Concierge Services... Included Business Assistant... Included Identity Theft... Included Personal Security Assistance... Included Family Coverage: At no additional charge, the plan covers children age 17 and under who are traveling with and related to the primary adult named on the enrollment form. Offer does not apply to optional coverages. For your plan to include kids at no additional cost, the child s trip cost must be equal to or less than the adult traveler(s) trip cost. PRICING BELOW IS NOT APPLICABLE TO RESIDENTS OF CA, KS, MD, MT, NY AND WA. Per Person AGE (up to 30 days) $ 25 $ 28 $ 37 $ 52 $ 70 $ 90 $ 103 $ 118 $ 133 $ 137 $ 183 $ 206 $ 230 $ 277 $ 310 $ 328 $ 360 $ 383 $ 16 $ 35 $ 41 $ 55 $ 78 $ 106 $ 137 $ 156 $ 180 $ 202 $ 209 $ 282 $ 319 $ 357 $ 431 $ 480 $ 508 $ 558 $ 595 $ 21 $ 48 $ 58 $ 77 $ 108 $ 145 $ 186 $ 211 $ 244 $ 273 $ 282 $ 382 $ 432 $ 484 $ 585 $ 649 $ 687 $ 755 $ 804 $ 32 $ 78 $ 90 $ 113 $ 151 $ 196 $ 248 $ 280 $ 320 $ 357 $ 367 $ 494 $ 558 $ 624 $ 752 $ 826 $ 874 $ 959 $ 1,020 $ 60 $ 98 $ 113 $ 139 $ 187 $ 240 $ 303 $ 342 $ 392 $ 437 $ 449 $ 609 $ 688 $ 770 $ 930 $ 1,017 $ 1,076 $ 1,181 $ 1,257 $ 73 $ 149 $ 171 $ 205 $ 268 $ 338 $ 421 $ 473 $ 538 $ 596 $ 613 $ 819 $ 923 $ 1,029 $1,236 $1,350 $1,427 $1,563 $1,661 $ 127 $ 201 $ 231 $ 275 $ 359 $ 451 $ 563 $ 631 $ 717 $ 797 $ 817 $ 1,106 $ 1,249 $ 1,395 $ 1,683 $ 1,824 $ 1,928 $ 2,115 $ 2,249 $ 164 $ 15 $ 18 $ 27 $ 32 $ 48 $ 60 $ 68 Above rates do not include a $7 service fee. ($5 for NH residents.) Please choose your plan cost from the above pricing chart based on your age at the time of plan purchase. For trips over $10,000, or trips exceeding 30 days, visit or call Pricing available up to $100,000 trip cost. You must insure all prepaid, non-refundable portions of your trip. Coverage must be purchased at least 24 hours prior to departure. All travelers listed on this plan must reside at the same address. If any travelers reside at a different address, a separate plan must be purchased. Only applicable if there are no prepaid, non-refundable trip costs. Questions? To purchase insurance, please contact Travel Guard. CALL TOLL-FREE:

6 Travel Insurance Coverage THIS IS A BRIEF OUTLINE OF COVERAGE RESTRICTIONS APPLY Coverage varies by state. For complete coverage information, please refer to the Certificate of Insurance or Policy for your state of residency prior to purchase by visiting Trip Cancellation/Trip Interruption: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefits for Trips that are canceled or interrupted due to covered reasons such as: Sickness, injury, or death of you, a Family Member, Traveling Companion, or Business Partner; Financial Default of an airline, cruise line, or tour operator when coverage is purchased within 15 days of initial trip payment; Inclement Weather; Strike; Primary Residence or Destination being made Uninhabitable; being subpoenaed, required to serve on a jury, hijacked, or quarantined; military service; a Terrorist Incident; and involuntary termination of employment or layoff. For a complete list of covered reasons, refer to the Certificate of Insurance or Policy. Trip Interruption Return Air Only: Reimburses the additional airline transportation expenses incurred by you to reach the return destination for trip interruptions. Trip Delay: Reimburses up to $150 per day/per person up to the Maximum Limit shown on the Schedule of Benefits for Reasonable Additional Expenses if the insured is delayed for more than 5 consecutive hours due to a covered reason. Missed Connection: Reimburses up to the Maximum Benefit shown on the Schedule of Benefits if Inclement Weather or Common Carrier causes cancellation or a delay of regularly scheduled airline flights for 3 or more hours to your point of departure. Baggage Insurance Coverage Baggage & Personal Effects: Can reimburse you if your baggage or personal effects are lost, stolen or damaged while on your Trip, subject to the Maximum Benefit. This coverage is in excess of any other coverage or indemnity. Baggage Delay: If your Baggage is delayed more than 12 hours, you can be reimbursed for the purchase of Necessary Personal Effects, subject to the Maximum Benefit. Medical Expense & Other Insurance Coverage Accident Sickness Medical Expense: Pays up to the Maximum Benefit shown on the Schedule of Benefits for necessary medical expenses due to Injury or Sickness incurred while on a Trip. Initial treatment must be received while on a Trip with a Destination of at least 100 miles from the Insured s Primary Residence. & Repatriation of Remains: Covers evacuation and transportation as directed by a Physician to the nearest adequate medical facility (home in the event of death or if medically required). Injury or Sickness requiring evacuation must occur while on a Trip with a Destination of at least 100 miles from the Insured s Primary Residence. Pays for special medical escort if recommended in writing by the attending Physician. Accidental Death & Dismemberment: Pays for loss of life or limb due to an accident during your Trip. (Available only as an upgrade for WA residents.) Flight Guard : Coverage for accidental death or dismemberment that occurs when traveling on a regularly scheduled flight or charter, subject to the Maximum shown in the Schedule. Amount selected from the minimum of $100,000 up to a maximum of,000. (Not available for NH and MT residents.) Car Rental Collision Coverage: $35,000 in primary coverage, subject to a $250 deductible. Covers physical damage to a rental car for which the car rental contract would hold you responsible. (Not available for KS or TX residents.) Medical Expense & Upgrade: Valuable addition to increase your coverage. Your Accident Sickness Medical Expense and benefits will double. to the adequate licensed medical facility of the Insured s choice is included. (Not available for MT and VA residents. Hospital of Choice not available to NY residents.) Cancel for Any Reason: Provides reimbursement of 50% of nonrefundable expenses if you cancel your Trip for any reason, up to 48 hours prior to your departure. (Cancel for any Reason can only be purchased at the time the base plan is purchased and within 15 days of initial trip payment. Coverage must be purchased for the full cost of trip. (Not available for NY residents.) are arranged by Travel Guard and provided through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the customer. Travel Medical Assistance: A menu of services available for emergency medical requests, including prescription replacement assistance, physician referrals, medical evacuations, and more. Worldwide Travel Assistance: Assistance with any travel emergency or request for general travel information, including lost, stolen or delayed baggage; replacing lost passport or travel documents; emergency cash transfers; pre-trip travel advice; inoculation information and more. LiveTravel Emergency Assistance: 24-hour hotline to make emergency travel changes, such as rebooking flights, hotel reservations, tracking lost luggage and more. Concierge Services: Whatever you need, whenever, wherever you need it, you can call on your own personal assistant to help. Services include tee time reservations, restaurant referrals and reservations, wireless device assistance, sporting or theater tickets, and more. Identity Theft: If your identity is stolen during your Trip, our emergency travel counselors will assist in contacting your credit card companies, monitoring your credit report and working with local authorities to help you restore your identity. (Not available for NY residents.) Business Assistant: You ll also have access to an array of services to help make short work of your business obligations, so you can enjoy your vacation. Personal Security Assistance: Assistance to help maintain personal safety and personal information while traveling. Services include evacuation assistance, 24/7 access to security and safety advisories and more. Notice to residents of AK and MT: The 15 day purchase rules will be 21 days. Notice to residents of AK, IL, IN, KS, MI and NY: Baggage & Personal Effects coverage is primary. Notice to residents of CO: For the Protect Assist Plan, a Medical Expense Upgrade is available to purchase adding an additional $25,000 Medical Expense. PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company will not pay for any Loss or expense incurred as the result of an injury, Sickness, or other condition of you, a Traveling Companion, Business Partner, or Family Member which, within the 180-day period immediately preceding and including your coverage effective date: (a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care, or treatment; (b) for which care or treatment was given or recommended by a physician; or (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the prescription drugs or medicines. PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER: The Company will waive this exclusion if you meet the following conditions: 1. You purchase the plan within 15 days of making your initial trip payment; 2. The amount of Trip Cancellation coverage purchased must equal the full cost of all prepaid, non-refundable payments or deposits applicable to the Trip at the time of purchase and the cost of any subsequent arrangement(s) added to the same Trip must be insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s); 3. You must be medically able to travel when you pay your plan cost; 4. The does not exceed $100,000 per person (only applicable to Trip Cancellation/Interruption). This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc (Travel Guard). California lic. no.0b93606, 3300 Business Park Drive, Stevens Point, WI 54482, CA DOI toll free number: HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 15th Floor, New York, NY It is currently authorized to transact business in all states and the District of Columbia. NAIC No Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the travel retailer. Travel assistance services provided by Travel Guard. Gold/Protect Assist AF PR 05/16/16

7 Platinum Travel Insurance & Global Assistance Cruise, Tour & Travel Plan for residents of Colorado Cover your investment from those unforeseen circumstances that may arise before or during your trip. The Platinum Plan provides valuable coverage at an affordable price and includes waiver of Pre-existing Medical Condition Exclusion if insurance is purchased within 15 days of the initial trip payment. Insurance Coverages Extra Coverage SCHEDULE OF BENEFITS MAXIMUM LIMIT 150% of Insured $2,500 $50,000,000 $50,000 Trip Cancellation Trip Interruption Trip Interruption Return Air Only Trip Delay (Maximum $200/day) Missed Connection Baggage & Personal Effects Baggage Delay COVERAGE PER PERSON Accident Sickness Medical Expense and Repatriation of Remains Accidental Death & Dismemberment The following will be included if elected and appropriate costs have been paid. Optional coverages will vary by state. Cancel for Any Reason...50% of Insured (Can only be purchased at the time the base plan is purchased and within 15 days of initial Trip payment) Flight Guard... Amount Selected (Up to a Max. of,000) Car Rental Collision Coverage... $35,000 ($250 Deductible) Medical Coverage Upgrade: Accident Sickness Medical Expense Additional $50,000 Hospital of Choice...Included Coverage varies by state. For complete coverage information, please refer to the Certificate of Insurance or Policy for your state of residency prior to purchase by visiting Questions? To purchase insurance, please contact Travel Guard. C A L L T O L L -FREE: (when coverage is purchased within 15 days of Initial Trip Payment) Pre-Existing Medical Condition Exclusion Waiver Trip Cancellation/Interruption due to Financial Default coverage Primary Accident Sickness Medical Expense* Primary Baggage & Personal Effects** The following non-insurance services are provided by Travel Guard: Travel Medical Assistance... Included Worldwide Travel Assistance... Included LiveTravel Emergency Assistance... Included Concierge Services... Included Business Assistant... Included Identity Theft... Included Personal Security Assistance... Included Roadside Assistance***... Included * Medical Expense coverage is automatically primary for residents of AK, CT, IL, IN, KS, MI, MT, NY, SD, TX and WA. ** Baggage & Personal Effects coverage is automatically primary for residents of AK, IL, IN, KS, MI and NY. *** Roadside Assistance service provided by Quest Towing Services, LLC. Platinum Plan Cost Per Person AGE (up to 30 days) $ 1 - $ 250 $ $ 500 $ $ 1,000 $ 1,001 - $ 1,500 $ 1,501 - $ 2,000 $ 2,001 - $ 2,500 $ 2,501 - $ 3,000 $ 3,001 - $ 3,500 $ 3,501 - $ 4,000 $ 4,001 - $ 4,500 $ 4,501 - $ 5,000 $ 5,001 - $ 5,500 $ 5,501 - $ 6,000 $ 6,001 - $ 6,500 $ 6,501 - $ 7,000 $ 7,001 - $ 8,000 $ 8,001 - $ 9,000 $ 9,001 - $ 10,000 $ 0 Medical Coverage Upgrade PRICING BELOW IS NOT APPLICABLE TO RESIDENTS OF CA, KS, MD, MT, NY AND WA. $ 51 $ 61 $ 64 $ 86 $ 108 $ 135 $ 162 $ 182 $ 192 $ 248 $ 304 $ 334 $ 407 $ 432 $ 490 $ 531 $ 572 $ 613 $ 36 $ 64 $ 78 $ 88 $ 119 $ 150 $ 186 $ 224 $ 249 $ 264 $ 349 $ 433 $ 475 $ 581 $ 614 $ 697 $ 754 $ 812 $ 870 $ 47 $ 67 $ 90 $ 113 $ 152 $ 200 $ 252 $ 304 $ 336 $ 357 $ 482 $ 607 $ 664 $ 817 $ 860 $ 978 $ 1,058 $ 1,137 $ 1,217 $ 49 $ 83 $ 109 $ 135 $ 183 $ 231 $ 290 $ 351 $ 388 $ 413 $ 561 $ 709 $ 775 $ 954 $ 1,004 $ 1,142 $ 1,235 $ 1,328 $ 1,420 $ $ 123 $ 139 $ 169 $ 222 $ 275 $ 318 $ 385 $ 424 $ 453 $ 611 $ 770 $ 841 $ 1,031 $ 1,085 $ 1,233 $ 1,332 $ 1,431 $ 1,530 $ 96 $ 247 $ 250 $ 322 $ 405 $ 516 $ 552 $ 663 $ 724 $ 775 $ 1,056 $ 1,338 $ 1,459 $ 1,790 $ 1,878 $ 2,132 $ 2,300 $ 2,469 $ 2,638 $ 199 $ 292 $ 305 $ 373 $ 475 $ 619 $ 661 $ 796 $ 893 $ 946 $ 1,232 $ 1,518 $ 1,660 $ 2,017 $ 2,130 $ 2,410 $ 2,604 $ 2,798 $ 2,992 $ 237 $ 15 $ 17 $ 25 $ 29 $ 46 $ 59 $ 69 Above rates do not include a $7 service fee. ($5 for NH residents.) Please choose your plan cost from the above pricing chart based on your age at the time of plan purchase. For trips over $10,000, or trips exceeding 30 days, visit or call Pricing available up to $100,000 trip cost. You must insure all prepaid, non-refundable portions of your trip. Coverage must be purchased at least 24 hours prior to departure. All travelers listed on this plan must reside at the same address. If any travelers reside at a different address, a separate plan must be purchased. Only applicable if there are no prepaid, non-refundable trip costs.

8 Travel Insurance Coverage THIS IS A BRIEF OUTLINE OF COVERAGE RESTRICTIONS APPLY Coverage varies by state. For complete coverage information, please refer to the Certificate of Insurance or Policy for your state of residency prior to purchase by visiting Trip Cancellation/Trip Interruption: Reimburses forfeited, non-refundable, unused payments or deposits up to the Maximum Limit shown on the Schedule of Benefi ts for Trips that are canceled or interrupted due to covered reasons such as: Sickness, injury, or death of you, a Family Member, Traveling Companion, or Business Partner; Financial Default of an airline, cruise line, or tour operator when coverage is purchased within 15 days of initial trip payment; Inclement Weather; Strike; Primary Residence or Destination being made Uninhabitable; being subpoenaed, required to serve on a jury, hijacked, or quarantined; military service; a Terrorist Incident; and involuntary termination of employment or layoff. For a complete list of covered reasons, refer to the Certifi cate of Insurance or Policy. Trip Interruption Return Air Only: Reimburses the additional airline transportation expenses incurred by you to reach the return destination for trip interruptions. (Not available for NY residents.) Trip Delay: Reimburses up to $200 per day/per person up to the Maximum Limit shown on the Schedule of Benefi ts for Reasonable Additional Expenses if the insured is delayed for more than 5 consecutive hours due to a covered reason. Missed Connection: Reimburses up to the Maximum Benefi t shown on the Schedule of Benefi ts if Inclement Weather or Common Carrier causes cancellation or a delay of regularly scheduled airline fl ights for 3 or more hours to your point of departure. Baggage Insurance Coverage Baggage & Personal Ef fects: Can reimburse you if your baggage or personal effects are lost, stolen or damaged while on your Trip, subject to the Maximum Benefi t. Baggage Delay: If your Baggage is delayed more than 12 hours, you can be reimbursed for the purchase of Necessary Personal Effects, subject to the Maximum Benefi t. Medical Expense & Other Insurance Coverage Accident Sickness Medical Expense: Pays up to the Maximum Benefi t shown on the Schedule of Benefi ts for necessary medical expenses due to Injury or Sickness incurred while on a Trip. Initial treatment must be received while on a Trip with a Destination of at least 100 miles from the Insured s Primary Residence. & Repatriation of Remains: Covers evacuation and transportation as directed by a Physician to the nearest adequate medical facility (home in the event of death or if medically required). Injury or Sickness requiring evacuation must occur while on a Trip with a Destination of at least 100 miles from the Insured s Primary Residence. Pays for special medical escort if recommended in writing by the attending Physician. Accidental Death & Dismemberment: Pays for loss of life or limb due to an accident during your Trip. Flight Guard : Coverage for accidental death or dismemberment that occurs when traveling on a regularly scheduled fl ight or charter, subject to the Maximum shown in the Schedule. Amount selected from the minimum of $100,000 up to a maximum of,000. (Not available for NH and MT residents.) Car Rental Collision Coverage: $35,000 in primary coverage, subject to a $250 deductible. Covers physical damage to a rental car for which the car rental contract would hold you responsible. (Not available for KS or TX residents.) Medical Coverage Upgrade: Valuable addition to increase your coverage. Your Accident Sickness Medical Expense benefi t will double. to the adequate licensed medical facility of the Insured s choice is included. (Not available for NH and MT residents. Hospital of Choice not available to NY residents.) Cancel for Any Reason: Provides reimbursement of 50% of nonrefundable expenses if you cancel your Trip for any reason, up to 48 hours prior to your departure. (Cancel for any Reason can only be purchased at the time the base plan is purchased and within 15 days of initial trip payment. Coverage must be purchased for the full cost of trip. (Not available for NY residents.) are arranged by Travel Guard and provided through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the customer. Travel Medical Assistance: A menu of services available for emergency medical requests, including prescription replacement assistance, physician referrals, medical evacuations, and more. Worldwide Travel Assistance: Assistance with any travel emergency or request for general travel information, including lost, stolen or delayed baggage; replacing lost passport or travel documents; emergency cash transfers; pre-trip travel advice; inoculation information and more. LiveTravel Emergency Assistance: 24-hour hotline to make emergency travel changes, such as rebooking fl ights, hotel reservations, tracking lost luggage and more. Concierge Services: Whatever you need, whenever, wherever you need it, you can call on your own personal assistant to help. Services include tee time reservations, restaurant referrals and reservations, wireless device assistance, sporting or theater tickets, and more. Identity Theft: If your identity is stolen during your Trip, our emergency travel counselors will assist in contacting your credit card companies, monitoring your credit report and working with local authorities to help you restore your identity. (Not available for NY residents.) Business Assistant: You ll also have access to an array of services to help make short work of your business obligations, so you can enjoy your vacation. Personal Security Assistance: Assistance to help maintain personal safety and personal information while traveling. Services include evacuation assistance, 24/7 access to security and safety advisories and more. $50 Roadside Assistance per car: Towing Assistance When towing is necessary, the covered vehicle will be towed to the nearest service facility or to any location requested by the covered customer. Flat Tire Assistance Service consists of the replacement of a fl at tire with the covered vehicle s spare tire. Towing assistance will be provided if needed. Lock-out Assistance Assistance will be provided in gaining entry to a covered vehicle if the keys are lost or locked inside. Notice to residents of AK and MT: The 15 day purchase rules will be 21 days. Notice to residents of NY: The following benefi ts are not available: Trip Interruption-Return Air Only, Hospital of Choice coverage. PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company will not pay for any Loss or expense incurred as the result of an injury, Sickness, or other condition of you, a Traveling Companion, Business Partner, or Family Member which, within the 90-day period immediately preceding and including your coverage effective date: (a) fi rst manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care, or treatment; (b) for which care or treatment was given or recommended by a physician; or (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the prescription drugs or medicines. PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER: The Company will waive this exclusion if you meet the following conditions: 1. You purchase the plan within 15 days of making your initial trip payment; 2. The amount of Trip Cancellation coverage purchased must equal the full cost of all prepaid, nonrefundable payments or deposits applicable to the Trip at the time of purchase and the cost of any subsequent arrangement(s) added to the same Trip must be insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s); 3. You must be medically able to travel when you pay your plan cost; 4. The Trip Cost does not exceed $100,000 per person (only applicable to Trip Cancellation/ Interruption). This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefi ts but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc (Travel Guard). California lic. no.0b93606, 3300 Business Park Drive, Stevens Point, WI 54482, CA DOI toll free number: HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 15th Floor, New York, NY It is currently authorized to transact business in all states and the District of Columbia. NAIC No Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefi ts, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the travel retailer. Travel assistance services provided by Travel Guard. Platinum/Cruise, Tour & Travel AF PR 03/25/15

9 Travel Guard Plus Travel Insurance & Global Assistance Cover your trip investment from those unforeseen circumstances that can arise before or during your trip. The Travel Guard Plus Plan provides valuable coverage at an affordable price and includes a waiver of the Pre-existing Medical Condition Exclusion if insurance is purchased within 21 days of initial trip payment. Insurance Coverages Extra Coverage S C H E D U L E OF B E N E F I T S ȊPre-Existing Medical Condition Exclusion Waiver MAXIMUM LIMIT COVERAGE PER PERSON 100% of Trip Cancellation 150% of Trip Interruption Trip Interruption Return Air Only Trip Delay (Maximum $200 per day) Missed Connection $2,500* Baggage & Personal Effects $400* Baggage Delay $100,000** Accident Sickness Medical Expense,000 and Repatriation of Remains $50,000 Accidental Death & Dismemberment *NY residents: Baggage & Personal Effects maximum limit is $1,500; Baggage Delay maximum limit is $200. **NH residents: Accident Sickness Medical Expense maximum limit is $50,000. R E F E R TO P R O D U C T CO D E : CA RESIDENTS: CA1838 P1 08/16 IN RESIDENTS: IN1838 P1 08/16 KS RESIDENTS: KS1838 P1 08/16 MT RESIDENTS: MT1838 P1 08/16 NH RESIDENTS: NH1838 P2 08/16 NY RESIDENTS: NY1838 P1 08/16 Product not available to Washington residents. Questions? CALL TOLL FREE: Refer to Product P1 08/16. All other states, please see chart above. (if insurance is purchased within 21 days of Initial Trip Payment) ȊAdventure Sports Coverage: Provides coverage for several adventure sports activities that would otherwise be excluded. ȊHospital of Choice: Includes transportation to an adequate licensed medical facility of the Insured s choice for further medically necessary treatment if the onsite attending Physician certifies that the insured is medically able to travel. (Not available to MT and NY residents.) Optional Coverage The following will be included if elected and appropriate costs have been paid. Cancel for Any Reason... 50% or 75% of Insured (Can only be purchased at the time the base plan is purchased and within 21 days of initial Trip payment.) Car Rental Collision Coverage...Choice of $35,000 or $50,000 in rental collision coverage Ȋ $250 deductible applies (Not available to KS, NY, and TX residents.) Flight Guard...Choice of coverage starting at $100,000 to $200,000, $300,000, $400,000 or,000 (Not available to NH residents.)