TRIP CANCELLATION
You are eligible for benefits equal to the amount protected for unused non-refundable prepaid expenses for Travel Arrangements whenever You are prevented from taking a Trip for any of the following reasons that occur after the Effective Date of Your Protection Plan:

• Sickness, Injury or death involving You or Your Traveling Companion or a Business Partner or Family Member of either You or Your Traveling Companion which results in medically imposed restrictions as certified by a Legally Qualified Physician at the time of loss preventing Your continued participation in the Trip;
• Unannounced strike that causes complete cessation of services of Your Common Carrier for at least 48 consecutive hours;
• Weather which causes complete cessation of services of Your Common Carrier for at least 48 consecutive hours;
• Employer termination or layoff affecting You or a person(s) sharing the same room during Your Trip. Employment must have been with the same employer for at least 3 continuous years;
• Primary Residence of You or Your Traveling Companion is rendered uninhabitable by unforeseen circumstances;
• Burglary of Your or Your Traveling Companion's primary residence within 10 days of departure or during Your Trip;
• Felonious Assault of You or Your Traveling Companion within 10 days of departure or during Your Trip;
• Terrorism in a country which is part of the Trip which causes the United States Department of State to issue a travel warning that You should not travel within that country for a period of time that would include the Trip;
• Hijack, quarantine, jury duty, or court ordered appearance as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
• You or Your Traveling Companion are called to emergency military duty for a national disaster other than war;
• Traffic accident, substantiated by a police report, directly involving either You or a Traveling Companion while en route to a scheduled departure point;
• If Your Travel Supplier cancels Your Trip, You are eligible for a benefit of $75 for the reissue fee charged by the airline for Your tickets. (Not applicable for Post Departure Plan). You must have protected the entire cost of Your Trip including the airfare.

TRIP INTERRUPTION
(POST DEPARTURE PLAN — RETURN AIR ONLY)
If You are prevented from completing a Trip for any of the reasons listed under the Trip Cancellation section that occur after Your Protection Plan Effective Date and after the Scheduled Departure Date of Your Trip, You are eligible up to the benefit amount protected for:

• Any unused prepaid expenses for Travel Arrangements;
• Return air: One way Economy Transportation to return to Your original destination or rejoin Your Trip less the value of the original unused return travel ticket;

TRAVEL DELAY
You are eligible for benefits up to the benefit amount shown for: a) Additional Transportation Cost to join the Trip or return home, including up to $150 per day, up to the maximum benefit limit, for reasonable accommodations and meals, if Your delay requires an unplanned overnight stay; or b) unused nonrefundable portion of the prepaid expenses as long as the expenses are supported by proof of purchase and are not reimbursable by any other source. Delay must be for 6 hours or more and certified due to one of the following reasons: 1) Delay of Common Carrier (which is certified by the Common Carrier); 2) A traffic accident in which You were not directly involved (substantiated by a police report); 3) Documented weather condition preventing You from getting to the point of departure; 4) Quarantine, hijacking, Strike, natural disaster, terrorism or riot; 5) Lost or stolen passports, travel documents or money (must be substantiated by a report to the police or the appropriate authority).

BAGGAGE & PERSONAL EFFECTS
You are eligible for benefits up to the benefit amount for lost, stolen, or damaged baggage or personal items subject to a maximum reimbursement of up to $250 per article. A maximum of $500 applies to the total amount payable for loss of any or all of the following: jewelry, watches, articles consisting in whole or in part of silver, gold or platinum, articles trimmed with fur, cameras and their accessories and related equipment. In addition, the following reimbursements are included in this benefit: 1) Lost or stolen passport or visa ($50 maximum); 2) Lost or stolen credit cards (cost associated with the unauthorized use - $50 maximum subject to verification that You have complied with all conditions of the credit card company).

BAGGAGE DELAY
If Your checked baggage is delayed or misdirected while on Your Trip for more than 24 hours from Your time of arrival at Your destination other than Your residence by a Common Carrier, You are eligible for benefits up to the benefit amount shown for the expense of necessary purchases of personal items as long as the expense is substantiated by receipts for purchases. The Common Carrier must certify the delay.

MEDICAL EXPENSE
You are eligible for benefits up to the benefit amount shown for: 1) Eligible Expenses incurred as a result of an accidental Injury which occurs or Sickness which first manifests itself during the Trip. You must receive initial Medical Treatment for Injury or Sickness within 30 days after the date of the accident that caused the Injury or the onset of Sickness. All treatment must be received within 52 weeks following the date of the accident or after onset of Sickness. 2) Benefits will include expenses for emergency dental treatment not to exceed $750. 3) Advance payment will be made to a Hospital, subject to the applicable benefit amount if needed to secure Your admission to a Hospital because of Sickness or Injury which first occurs during the course of the Trip. The authorized Assistance Company will coordinate advance payment to the Hospital. In all cases, benefits will not be paid in excess of the Usual and Customary Charges.

MEDICAL EVACUATION/REPATRIATION
You are eligible for benefits up to the benefit amount shown for: 1) Medical evacuation which is determined by a Legally Qualified Physician and the authorized Assistance Company's medical director when Injury or Sickness is acute or life threatening and adequate treatment is not available at a local Hospital. Transportation will be provided to the closest Hospital or medical facility capable of providing adequate treatment; 2) Medical repatriation is provided when it is deemed Medically Necessary by a Legally Qualified Physician and the authorized Assistance Company for You to return to Your home or a Hospital near Your home for continued treatment. Transportation Expense incurred will be paid for You via one-way Economy Transportation; or commercial upgrade, based on Your condition as recommended by the local attending Legally Qualified Physician and the authorized Assistance Company: a) to return to Your permanent residence; or b) to be moved to a Hospital or medical facility closest to Your permanent place of residence capable of providing that treatment; 3) Either: a) transportation will be provided for the return trip home via Economy Transportation for any dependent children under 18 who are accompanying You if You are confined to a Hospital for more than 7 consecutive days; or b) if You are traveling alone and are confined to a Hospital for more than 7 consecutive days, this benefit will provide one round-trip Economy Transportation for a person of Your choice to visit You in a Hospital.
These benefits provide the most appropriate and Economical Transportation by the most direct and economical route. This benefit for land or air transportation includes, but is not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the authorized Assistance Company.
Benefits are calculated less the value of an unused return travel ticket. If benefits are payable under Your Protection Plan and You have other insurance that may provide benefits for this same loss, we reserve the right to recover from such other insurance.
Note, Pre-Existing Condition limitation is automatically waived for Medical Evacuation/Repatriation.

ACCIDENTAL DEATH AND DISMEMBERMENT
You are eligible for benefits 24 hours a day, for the benefit amount shown when You sustain Injuries resulting in any of the listed Type of Loss within 180 days from the date of accident, while on a Trip.

OPTIONAL FLIGHT ACCIDENT
These benefits apply up to the amount purchased for accidental death, dismemberment or loss of sight as a result of an accident while a passenger on a regularly scheduled air flight, a land or water conveyance provided by the airline as a substitute for an aircraft, a Common Carrier while en route to or from the airport, or at the airport immediately before boarding or after disembarking from an aircraft.

WHEN BENEFITS ARE NOT PAYABLE UNDER THIS PLAN
Unless otherwise stated, benefits are not payable for Sickness, Injuries or losses of You or Your Traveling Companion; 1) Resulting from suicide, attempted suicide, or any intentionally self-inflicted injury while sane or insane (in Missouri, sane only); 2) Resulting from an act of declared or undeclared war or occurring while participating in maneuvers or training exercise of an armed service; 3) Occurring while or resulting from riding, driving or participating in races, or speed or endurance contests; 4) Occurring while or resulting from mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes or other special equipment); 5) Occurring while or resulting from participating as a member of a team in an organized sporting competition; 6) Occurring while or resulting from participating in skydiving, hang gliding, bungee cord jumping, scuba diving or deep sea diving; 7) Occurring while or resulting from piloting or learning to pilot or acting as a member of the crew of any aircraft; 8) Received as a result or consequence of being Intoxicated or under the influence of any controlled substance unless administered on the advice of a Legally Qualified Physician; 9) To which a contributory cause was the commission of or attempt to commit a felony or being engaged in an illegal occupation; 10) Due to normal childbirth, normal pregnancy (expect complications of pregnancy) or voluntarily induced abortion; 11) For dental treatment (except as otherwise specifically provided herein); 12) Due to a Pre-Existing Condition Note: Pre-Existing Condition limitation is automatically waived for Medical Evacuation/Repatriation benefit.

WHAT IS NOT PAYABLE UNDER BAGGAGE/PERSONAL EFFECTS
OR BAGGAGE DELAY BENEFIT
Benefits are not payable for loss of any of the following: a) animals, b) automobile or automobile equipment, boats or other vehicles or conveyances, trailers, motors, aircraft, bicycles (except when checked as baggage with a Common Carrier); c) household effects and furnishings, antiques or collectors items; d) sunglasses (prescription or non-prescription) or contact lenses; e) artificial teeth or dental bridges; f) hearing aids; g) prosthetic limbs; h) prescribed medications; i) keys; j) money, credit cards, tickets, documents (except as otherwise specified under the benefit description) or securities; k) stamps; l) professional or occupational equipment or property (whether or not electronic business equipment), telephones or computer hardware or software.

 

THE 7-DAY ADVANTAGE Pre-Existing Condition Waiver: The Pre-Existing Condition exclusion is waived provided You purchase Worldwide Trip Protector within 7 business days of Your initial Trip payment; protect the full non-refundable cost of Your Trip; are medically able to travel on the date You purchase Worldwide Trip Protector and have not filed a Trip Cancellation claim due to a Pre-Existing Condition within 180 days prior to the Effective Date of Your Protection Plan. Bankruptcy and Default Protection: Up to $3,000 per person. If You purchase Worldwide Trip Protector within seven (7) business days of Your initial Trip payment and for the full non-refundable cost of Your Trip, You will be eligible for benefits up to a maximum limit of $3,000, due to Bankruptcy or Default of an airline, cruise line, or tour operator (other than the tour operator from whom You purchased Your travel arrangements) which stops service more than seven (7) days following Your Protection Plan Effective Date. Your scheduled Departure Date must be no more than fifteen (15) months beyond the Effective Date of Your Protection Plan. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. The Bankruptcy or Default benefit is excess and secondary to all other forms of indemnity. Definitions: "Bankruptcy" means the filing of a petition for voluntary or involuntary bankruptcy in a court of competent jurisdiction under Chapter 7 or Chapter 11 of the United States Bankruptcy Code 11 U.S.C. 101 et seq. "Default" means the inability to provide contracted services due to a financial failure. The 7-Day Advantage is effective only for Worldwide Trip Protector Plans purchased on or after January 11, 2002 FOR QUESTIONS AND GENERAL INFO Contact your agent or Travel Insured International P.O. Box 280568 East Hartford, CT 06128-0568 800-243-3174