T R A V E L Lite. Version 0415 TRAVEL PROTECTION WITHOUT BOUNDARIES SM

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1 T R A V E L Lite Version 0415 TRAVEL PROTECTION WITHOUT BOUNDARIES SM

2 W H Y i T R A V E L I N S U R E D For more than a decade, itravelinsured has provided travel insurance to more than a million travelers worldwide. Our mission is to help travelers like you, protect their travel investment from the unexpected. We realize that traveling is an exciting experience, but anything can happen while you are away from home. Our specially designed travel insurance plans, paired with our world-class service, provides the coverage and confidence travelers need. Rest assured that itravelinsured is there with you, wherever your travels take you, delivering world-wide coverage, multilingual capabilities, international claims specialists and access to 24 hour emergency assistance service. That s Travel Protection Without Boundaries SM, the itravelinsured way. World-Class Emergency Travel Assistance Services itravelinsured offers more than insurance protection. The following emergency travel assistance services are available to you, 24/7, while you are on your trip, bringing you Global Peace of Mind : Emergency Travel Arrangements Medical Referral Lost Passport/Travel Documents Assistance 24-Hour Medical Monitoring Lost Luggage Assistance Emergency Cash Transfer Embassy or Consulate Referral Legal Referrals Emergency Message Relay Emergency Translations Emergency Prescription Replacement (These Travel Assistance Services are offered by itravelinsured and are not insurance benefits provided by United States Fire Insurance Company.) Trip Cancellation & Interruption - What s Covered? Here are a few examples of covered trip cancellation and interruptions perils. Refer to the insurance policy for complete details. Sickness, Injury or Death of Insured, a Family Member, a Travel Companion, a Business Partner or a Child Caregiver Insured s Primary Residence or Destination Uninhabitable Theft of Passports/Visas Required to Work, Involved in a Merger, Job Loss or Job Relocation Documented Traffic Accident Unannounced Strike Inclement Weather Mechanical breakdown of the Common Carrier Natural Disasters, Mandatory Evacuations Active Military Service A Terrorist Incident Revoked military leave Bankruptcy or Default of travel provider NOAA Hurricane warning at destination Subpoena Jury Duty Quarantine Hijack 1.

3 T R A V E L L I T E The Travel Lite Insurance plan is designed for travelers seeking to protect their trip investment against trip cancellation and trip interruption. It is our most basic travel insurance program and provides coverage for travel and baggage delay as well as access to our 24/7 emergency travel assistance service. Benefits Maximum Limits Trip Cancellation Trip Cost $25,000 Trip Interruption 100% of Trip Cost Travel Delay $500 ($125 per Day) Missed Connection $500 Change Fee $150 Reimbursement of Miles or Reward Points $75 Baggage Delay $150 Rental Car Damage $40,000 The above is a summary of benefits. Please review the insurance policy for a detailed description of the terms, conditions and exclusions. Plan availability and benefits may change per State. If you are not satisfied for any reason with the coverage, you may submit a cancellation request and receive a full refund within 10 days from the effective date of your insurance coverage, as long as your trip departure date has not occurred and you have not filed a claim. The policy is non-refundable after 10 days. TRAVEL PROTECTION WITHOUT BOUNDARIES SM 2.

4 T R A V E L L I T E R A T E S Trip cost per Person (Up to 31 days)* Age $200 - $499 $24 $30 $34 $38 $41 $45 $50 $59 $500 - $1,000 $37 $46 $56 $65 $73 $82 $93 $111 $1,001 - $1,500 $52 $65 $82 $97 $110 $124 $141 $168 $1,501 - $2,000 $68 $85 $108 $129 $147 $167 $190 $227 $2,001 - $2,500 $84 $105 $135 $163 $186 $211 $241 $289 $2,501 - $3,000 $101 $126 $163 $197 $226 $257 $294 $352 $3,001 - $3,500 $118 $148 $191 $233 $266 $304 $348 $416 $3,501 - $4,000 $136 $170 $220 $269 $308 $351 $402 $482 $4,001 - $4,500 $154 $192 $250 $305 $350 $400 $458 $549 $4,501 - $5,000 $172 $215 $280 $343 $393 $449 $514 $617 $5,001 - $5,500 $191 $238 $311 $380 $436 $499 $572 $685 $5,501 - $6,000 $209 $262 $342 $419 $481 $549 $629 $755 $6,001 - $6,500 $228 $285 $374 $457 $525 $600 $688 $825 $6,501 - $7,000 $247 $310 $405 $497 $570 $652 $747 $896 $7,001 - $7,500 $267 $334 $438 $536 $616 $704 $807 $968 $7,501 - $8,000 $286 $359 $470 $576 $662 $757 $868 $1,041 $8,001 - $8,500 $306 $383 $503 $617 $708 $810 $928 $1,114 $8,501 - $9,000 $326 $409 $536 $657 $755 $863 $990 $1,187 $9,001 - $9,500 $346 $434 $570 $698 $802 $917 $1,052 $1,262 $9,501 - $10,000 $366 $460 $603 $740 $850 $972 $1,114 $1,336 $10,001 - $10,500 $374 $472 $624 $768 $885 $1,014 $1,164 $1,399 $10,501 - $11,000 $394 $498 $658 $810 $933 $1,068 $1,227 $1,474 $11,001 - $11,500 $414 $523 $692 $852 $981 $1,123 $1,290 $1,550 $11,501 - $12,000 $434 $549 $726 $894 $1,029 $1,179 $1,354 $1,626 $12,001 - $12,500 $455 $575 $761 $937 $1,078 $1,235 $1,418 $1,703 $12,501 - $13,000 $476 $602 $795 $979 $1,127 $1,291 $1,483 $1,781 $13,001 - $13,500 $496 $628 $830 $1,022 $1,177 $1,348 $1,547 $1,858 $13,501 - $14,000 $517 $655 $866 $1,065 $1,226 $1,404 $1,613 $1,936 $14,001 - $14,500 $538 $682 $901 $1,109 $1,276 $1,462 $1,678 $2,015 $14,501 - $15,000 $560 $709 $937 $1,153 $1,327 $1,519 $1,744 $2,094 Above $15, % 4.7% 6.2% 7.7% 8.8% 10.1% 11.6% 14.0% The Trip Cancellation benefit is determined by the amount of Your trip You elect to protect, up to the maximum benefit stated above. The Trip Interruption benefit is determined by the amount of Trip Cancellation benefit purchased. * Minimum Trip Cost Required Per Traveler is $

5 T R A V E L L I T E LIMITATIONS AND EXCLUSIONS: Benefits are not payable for any loss due to, arising or resulting from: Suicide, attempted suicide or any intentionally self-inflicted injury of You, a Traveling Companion, Family Member or Business Partner booked to travel with You, while sane or insane n An act of declared or undeclared war n Participating in maneuvers or training exercises of an armed service, except while participating in weekend or summer training for the reserve forces of the United States, including the National Guard n Riding or driving in races, or speed or endurance competitions or events n Participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition n Piloting or learning to pilot or acting as a member of the crew of any aircraft n Being Intoxicated as defined herein, or under the influence of any controlled substance unless as administered or prescribed by a Legally Qualified Physician n The commission of or attempt to commit a felony or being engaged in an illegal occupation n Normal childbirth or pregnancy (except Complications of Pregnancy) or voluntarily induced abortion n Dental treatment (except as coverage is otherwise specifically provided herein) n Amounts which exceed the Maximum Benefit Amount for each coverage as shown in the Declarations Page n Due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or return of remains coverage n Any amount paid or payable under any Worker s Compensation, Disability Benefit or similar law n A loss or damage caused by detention, confiscation or destruction by customs n Elective Treatment and Procedures n Complications from Elective Treatment and Procedures otherwise not payable under this Policy n Medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment n Failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements for reasons other than Bankruptcy or Default n Business, contractual or educational obligations of You, a Family Member, Business Partner, or Traveling Companion n A mental or nervous condition, unless hospitalized or Partially Hospitalized for that condition while the Policy is in effect for You n A loss that results from a Sickness, Injury, disease or other condition, event or circumstance which occurs at a time when the Policy is not in effect for You n Bankruptcy or Default or failure to supply services by a supplier of travel services n Due to loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act and regardless of any other sequence thereto n Diving while in an abnormal state of which You were aware and/or due to which You were disqualified or not entitled to engage in Diving n Diving as a professional diver other than as a Diving instructor, Dive master, underwater photographer, or while performing research under the auspices and following the guidelines of the American Academy of Underwater Sciences (AAUS) n Diving in an area where Diving is forbidden n An assessment from a Legally Qualified Physician advising You in writing that You, a Traveling Companion, Family Member or Business Partner booked to travel with You are not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip n Your arrival into a country for which a formal recommendation in the form of a Travel Advisory or Travel Warning from the U.S. State Department has been issued preceding Your arrival into that country on Your Trip, or if a country is an Excluded Country preceding Your arrival into that country on Your Trip n Mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment) n Participating in bodily contact sports, skydiving or parachuting except parasailing, extreme skiing, skiing outside marked trails or heli-skiing, mountaineering, any race, speed contests not including any of the regatta races, spelunking or caving, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive. PRE-EXISTING CONDITION EXCLUSION: The Company will not pay for any expense as a result of any illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You : 1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this Exclusion does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy. Insurance benefits are underwritten by the United States Fire Insurance Company. Fairmont Specialty and Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company itravelinsured, Inc North Meridian Street Indianapolis, IN USA Telephone: service@itravelinsured.com 4.