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Summary of Plan Benefits

Plan Information
Standard Plan
N300S

Product:
Plan #:

Satisfaction Guarantee
If you purchase this plan and you are not satisfied with your plan for any reason, you may return the Plan Certificate/Policy and the Confirmation/
Declaration within 10 days of receipt and your plan payment will be refunded, provided you have not filed a claim or departed on your trip.

One Call Worldwide Travel Services Network
One Call Travel Services Network, Inc. provides: medical, legal and travel assistance services available 24 hours a day/365 days a year. A complete list of these services is included in your Certificate/Policy.

Schedule of Benefits - SRTC-2000-WA-AH
Plan Benefits
Maximum Benefit Amount
Accidental Death & Dismemberment..............................$5,000
Emergency Sickness/Accident Medical Expense.....$100,000
.
Hospital Advancement....................................................$500
Schedule of Benefits - SRTC-2000-WA-PC

Plan Benefits

Maximum Benefit Amount

Trip Cancellation............................................. Up to Trip Cost *
.
Single Occupancy................................................... Included
.
Trip Interruption............................................... Up to Trip Cost *
Baggage/Personal Effects............................................. $1,000 Per Article...................................................................... $500 Combined Maximum Benefit......................................... $500
Baggage Delay (Up to $150 Per Day)............................... $750
Trip Delay (Up to $100 Per Day)....................................... $500
Emergency Evacuation/Repatriation of Remains.... $300,000

Schedule of Services

Plan Services

Maximum Service Amount

One Call 24-Hour Assistance Services........... No Dollar Limit
.
Global Xpi Medical Records Service............... No Dollar Limit Non-Medical Emergency Evacuation...........................$25,000
* Trip Cost up to a maximum of $2,500

This Plan is Underwritten By: Nationwide Life Insurance Company
Please Note: This Plan is only effective for You if the required premium for the Covered Trip has been paid prior to Your Scheduled Departure Date for
Your Covered Trip. Plan provisions and benefits may vary by state jurisdiction.
Please refer to Your Confirmation of Benefits and the Policy/Certificate for complete details.
SRTC 2000 WA

Ed: 06/2014

Customer Service and Claims

Travel Protection Plan for Standard Plan # N300S

Have questions or need to report a claim? You can call us toll-free at the number listed below. You can also view many
Frequently Asked Questions, report and complete your claim(s) online at www.tripmate.com or call 1-844-207-1930.

Benefits are administered by:
Trip Mate, Inc. (in CA, dba Trip Mate Insurance Agency)
9225 Ward Parkway, Suite 200, Kansas City, MO, 64114,
Tel: 1-844-207-1930.
YOUR PLAN NUMBER: N300S

One Call
Worldwide Travel Services Network
Multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities, and provide services for:
• Medical Consultation and Monitoring
• Medical Evacuation Arrangements
• Emergency Medical Payments
• Prescription Assistance
• Repatriation of Remains
• 24 Hour Legal Assistance
• Nurse Helpline
• Message Services
• Language Interpretation Services
• Emergency Cash Transfer
• Pre-Trip Travel Services
• Travel Document and Ticket Replacement
A complete list of these services is included in your certificate/policy. To contact One Call:

Protecting Your travel investment, Your belongings and most importantly You you for those unforeseen circumstances that may arise before or during your trip.

Within U.S.A. & Canada
1-855-878-9588

Outside U.S.A. & Canada
1-603-328-1329

24 Hour Assistance Service is provided by: One Call Travel
Services Network, Inc.
Access Your Medical Records Online
With the Free Global Xpi Service, you can assure that your important medical records are available to you or any Physician chosen by you, at any time, anywhere in the world, quickly, wherever there is internet access available.
Register at: www.globalxpi.com or call, toll free: 1-800-379-9887 Use Program Code N300S
These Services are Provided by: Global Xpi, Inc.
1

NATIONWIDE LIFE INSURANCE COMPANY

Nationwide Life Insurance Company
One Nationwide Plaza
Columbus, Ohio 43215

PASSENGER PROTECTION INSURANCE POLICY
GENERAL DEFINITIONS
Accident means a sudden, unexpected, unusual, specific event that occurs at an identifiable time and place, but shall also include exposure resulting from a mishap to a conveyance in which You are traveling.

This Policy describes all of the travel insurance benefits, underwritten by Nationwide Life Insurance Company and herein referred to as the Company, and assistance services provided by On Call International. Please refer to the accompanying Confirmation of Coverage as it provides
You with specific information about the program You purchased. Please contact the Plan Administrator immediately if You believe that the Confirmation of
Coverage is incorrect.

Accidental Injury means Bodily Injury caused by an accident (of external origin) being the direct and independent cause in the loss.
Actual Cash depreciation. Value

means

purchase

price

less

Additional Expense means any reasonable expenses for meals and lodging which were necessarily incurred as the result of a Hazard and which were not provided by the
Common Carrier or other party free of charge.

This Policy is issued in consideration of the enrollment form and payment of any premium due. All statements in the enrollment forms are representations and not warranties. Only statements contained in a written enrollment form will be used to void insurance, reduce benefits or defend a claim.

Bodily Injury means identifiable physical injury which: (a) is caused by an Accident, and (b) solely and independently of any other cause, except illness resulting from, or medical or surgical treatment rendered necessary by such injury, is the direct cause of Your death or dismemberment within twelve months from the date of the Accident.

NO DIVIDENDS WILL BE PAYABLE UNDER THIS
POLICY.
The President and Secretary of Nationwide Life Insurance
Company witness this Policy.

Business Partner means an individual who: (a) is involved in a legal partnership; and (b) is actively involved in the day-to-day management of the business.

Secretary

Common Carrier means any land, sea, and/or air conveyance operating under a valid license for the transportation of passengers for hire.

President

Company means Nationwide Life Insurance Company.
TRAVEL PROTECTION POLICY
Covered Expenses shall mean expenses incurred by You which are for medically necessary services, supplies, care, or treatment; due to Illness or Injury; prescribed, performed or ordered by a Physician; reasonable and customary charges; incurred while insured under this Policy; and which do not exceed the maximum limits shown in the
Confirmation of Coverage, under each stated benefit.

TABLE OF CONTENTS
GENERAL DEFINITIONS
GENERAL PROVISIONS
COVERAGES:
Accidental Death & Dismemberment
Emergency Sickness Medical Expense
Emergency Accident Medical Expense

Covered Trip means any class of scheduled trips, tours or cruises You request coverage and remit the required premium. LIMITATIONS AND EXCLUSIONS

Default means a material failure or inability to provide contracted services due to financial insolvency.
Effective Date means the date and time Your coverage begins, as outlined in the General Provisions section of this Certificate.
Family Member means Your or Your Traveling
Companion's legal or common law spouse, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, step-child, children-inSRTC 2000 (WA)

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Individual A&H

law, brother, sister, step-brother, step-sister, brother-inlaw, sister-in-law, aunt, uncle, niece or nephew.

diagnosis, care or treatment; (b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or (c) required medical treatment or treatment was recommended by a Physician.

Hospital means a facility that:
(a) holds a valid license if it is required by the law;
(b) operates primarily for the care and treatment of sick or injured persons as in-patients;
(c) has a staff of one or more Physicians available at all times; (d) provides 24 hour nursing service and has at least one registered professional nurse on duty or call;
(e) has organized diagnostic and surgical facilities, either on the premises or in facilities available to the hospital on a pre-arranged basis; and
(f) is not, except incidentally, a clinic, nursing home, rest home, or convalescent home for the aged, or similar institution. Scheduled Departure Date means the date on which You are originally scheduled to leave on the Trip.
Scheduled Return Date means the date on which You are originally scheduled to return to the point of origin or to a different final destination.
Sickness means an illness or disease which is diagnosed or treated by a Physician after the effective date of insurance and while You are covered under this Policy.

Individual Coverage Term means the period of time beginning when You have been enrolled for coverage under this Policy and for whom the required premium has been paid.

Traveling Companion means person(s) booked to accompany You on Your Trip.
Travel Supplier means airline, tour operator, cruise line, hotel or other organization that has made the Land and/or
Sea arrangements or other travel plans for the Insured.

Insurance means any one of the following types of policies or plans which provide benefits for hospital confinement, medical expenses for You on Your effective date of coverage, and such policy or plan requires You to pay a deductible and/or portion of coinsurance: individual, group or blanket insurance plans; group Blue Cross, Blue
Shield, or other group prepayment coverage plans; coverage under labor management trustee plans, union welfare plans, employer organization plans, employee benefit organizational plans, or other arrangements of benefits for persons of a group. Insurance does not include
Medicare or Medicaid.

Trip means prepaid Land/Sea Arrangements and shall include flight connections to join or depart such Land/Sea
Arrangements provided such flights are scheduled to commence within one day of the Land/Sea Arrangements.
You or Your refers to all persons listed on the
Confirmation of Coverage under the program purchased by the Insured.
GENERAL PROVISIONS
The following provisions apply to all coverages:

Insured means the person who has enrolled for and paid for coverage under this Policy.

WHEN YOUR COVERAGE BEGINS - All coverage will take effect at 12:01 A.M. local time, at Your location, on the Scheduled Departure Date provided:
(a) coverage has been elected; and
(b) the required premium has been paid.

Land/Sea Arrangements means land and or sea arrangements made by the Travel Supplier.
Loss means injury or damage sustained by You in consequence of happening of one or more of the occurrences against which the Company has undertaken to indemnify You.

WHEN YOUR COVERAGE ENDS – Your coverage will end at 11:59 local time on the date that is the earliest of the following:
(a) the Scheduled Return Date as stated on the travel tickets; (b) the date You return to Your origination point if prior to the Scheduled Return Date;
(c) the date You leave or change Your Covered Trip
(unless due to unforeseen and unavoidable circumstances covered by the Policy);
(d) the time this Policy terminates. If insurance was purchased prior to the date of termination, insurance will continue to the end of the Individual Coverage
Term;
(e) the date the Insured cancels the Covered Trip;
(f) when You are less than 100 miles from Your primary residence; (g) any Trip that exceeds 365 days.

Maximum Benefit means the largest total amount of
Covered Expenses that the Company will pay for Your covered losses.
Physician means a licensed practitioner of medical, surgical or dental services acting within the scope of Your license. The treating Physician may not be You, a
Traveling Companion or a Family Member.
Pre-Existing Condition means any injury, sickness or condition of Yours, Your Traveling Companion or Your
Family Member booked to travel with You for which within the one hundred eighty (180) day period prior to the effective date under this Policy (a) first manifested itself or exhibited symptoms which would have caused one to seek
SRTC 2000 (WA)

3

Individual A&H

SUBROGATION - To the extent the Company pays for a loss suffered by You, the Company will take over the rights and remedies You had relating to the loss. This is known as subrogation. You must help the Company to preserve its rights against those responsible for the loss. This may involve signing any papers and taking any other steps the
Company may reasonably require. If the Company takes over Your rights, You must sign an appropriate subrogation form supplied by the Company.

EXTENDED COVERAGE - Coverage will be extended under the following conditions:
(a) When You commence air travel from Your origination point: within two (2) days before the commencement of the Land/Sea Arrangements, coverage shall apply from the time of departure from the origination point; or
(ii) greater than two (2) days before the commencement of the Land/Sea Arrangements, the extension of coverage shall be provided only during
Your air travel.
(b) If You return to Your origination point: within two (2) days after the completion of the Land/Sea
Arrangements, coverage shall apply until the time of return to the origination point; or (ii) greater than two
(2) days after the completion of the Land/Sea
Arrangements, the extension of coverage shall be provided only during Your air travel.
(c) If You are a passenger on a scheduled common carrier that is unavoidably delayed in reaching the final destination coverage will be extended for the period of time needed to arrive at the final destination.

The following provisions will apply to Accidental Death &
Dismemberment, Emergency Sickness Medical Expense and Emergency Accident Medical Expense:
PAYMENT OF CLAIMS - The Company, or its designated representative, will pay a claim after receipt of acceptable proof of loss. Benefits for loss of life are payable to Your beneficiary. If a beneficiary is not otherwise designated by
You, benefits for loss of life will be paid to the first of the following surviving preference beneficiaries:
a) Your spouse:
b) Your child or children jointly:
c) Your parents jointly if both are living or the surviving parent if only one survives:
d) Your brothers and sisters jointly: or
e) Your estate.

In no event will coverage be extended for unscheduled extensions to Your Covered Trip for which premium has not been paid in advance.
ARBITRATION - Notwithstanding anything in this Policy to the contrary, any claim arising out of or relating to this contract, or its breach, may be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial rules except to the extent provided otherwise in this clause. Arbitration must be by mutual consent and agreed to by all parties. The suit must be in a court of competent jurisdiction. Judgment upon the award rendered in such arbitration may be entered in any court having jurisdiction thereof. All fees and expenses of the arbitration shall be borne by the parties equally.

All other claims will be paid to You. In the event You are a minor, incompetent or otherwise unable to give a valid release for the claim, the Company may make arrangement to pay claims to Your legal guardian, committee or other qualified representative.
All or a portion of all other benefits provided by this Policy may, at the option of the Company, be paid directly to the provider of the service(s). All benefits not paid to the provider will be paid to You.
Any payment made in good faith will discharge the
Company's liability to the extent of the claim.

However, each party will bear the expense of its own counsel, experts, witnesses, and preparation and presentation of proofs. The arbitrators are precluded from awarding punitive, treble or exemplary damages, however so denominated. If more than one Insured is involved in the same dispute arising out of the same Policy and relating to the same loss or claim, all such Insureds will constitute and act as one party for the purposes of the arbitration. Nothing in this clause will be construed to impair the rights of the Insureds to assert several, rather than joint, claims or defenses.

The applicable benefit amount will be reduced by the amount of benefits, if any, previously paid by other
Insurance Policies. In no event will the Company reimburse You for an amount greater than the amount paid by You.
NOTICE OF CLAIM - Written notice of claim must be given by the claimant (either You or someone acting for
You) to the Company or its designated representative within twenty (20) days after a covered loss first begins or as soon as reasonably possible. Notice should include
Your name, the Travel Supplier’s name and this Policy number. Notice should be sent to the Company’s administrative office, at the address shown on the cover page of this Policy, or to the Company's designated representative. LEGAL ACTIONS - No legal action for a claim can be brought against the Company until sixty (60) days after the
Company receives proof of loss. No legal action for a claim can be brought against the Company more than two (2) years after the time required for giving proof of loss.
CONTROLLING LAW - Any part of this Policy that conflicts with the state law where this Policy is issued is changed to meet the minimum requirements of that law.

SRTC 2000 (WA)

PROOF OF LOSS - The Claimant must send the
Company, or its designated representative, proof of loss
4

Individual A&H

within ninety (90) days after a covered loss occurs or as soon as reasonably possible.

Covered Medical Expenses are necessary services and supplies that are recommended by the attending
Physician. They include but are not limited to:
(a) the services of a Physician;
(b) charges for Hospital confinement and use of operating rooms; (c) charge for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;
(d) ambulance service;
(e) drugs, medicines, prosthetics and therapeutic services and supplies.

PHYSICAL EXAMINATION AND AUTOPSY - The
Company, or its designated representative, at their own expense, have the right to have You examined as often as reasonable necessary while a claim is pending. The
Company, or its designated representative, also has the right to have an autopsy made unless prohibited by law.
ACCIDENTAL DEATH AND DISMEMBERMENT
The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an
Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table below. The loss must occur within 365 days after the date of the Accident causing the loss.

The Company will not pay benefits in excess of the reasonable and customary charges. Reasonable and customary charges mean charges commonly used by
Physicians in the locality in which care is furnished. The
Company will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

The Principal Sum is shown on the Confirmation of
Coverage. If more than one loss is sustained, as the result of an Accident, the amount payable shall be the largest amount of a sustained loss shown in the Table of Losses.

The Company will advance payment to a Hospital, up to the maximum shown on the Confirmation of Coverage, if needed to secure Your admission to a Hospital because of
Sickness.

TABLE OF LOSSES
Loss of:

Percentage of
Principal Sum:
Life
100%
Both hands or both feet
100%
Sight of both eyes
100%
One hand and one foot
100%
Either hand or foot and sight of one eye
100%
Either hand or foot
50%
Sight of one eye
50%

If You are hospitalized due to a Sickness which first occurred during the course of the scheduled Trip beyond the date of the Scheduled Return Date, coverage will be extended until You are released from the Hospital or until maximum benefits under this Policy have been paid.
EMERGENCY ACCIDENT MEDICAL EXPENSE
The Company will pay benefits up to the maximum shown on the Confirmation of Coverage, if You incur Covered
Medical Expenses for Emergency Treatment of an
Accidental Injury that occurs during the Covered Trip.

"Loss" with regard to:
1. hand or foot, means actual complete severance through and above the wrist or ankle joints; and
2. eye means an entire and irrecoverable loss of sight.

Emergency Treatment means necessary medical treatment, including services and supplies, which must be performed during the Covered Trip due to the serious and acute nature of the Accidental Injury.

EXPOSURE
The Company will pay benefits for covered losses that result from Your being unavoidably exposed to the elements due to an Accident. The loss must occur within
365 days after the event that caused the exposure.

Covered Medical Expenses are necessary services and supplies that are recommended by the attending
Physician. They include, but are not limited to:
a) the services of a Physician;
b) charges for Hospital confinement and use of operating rooms; c) charge for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;
d) ambulance service;
e) drugs, medicines, prosthetics and therapeutic services and supplies.

DISAPPEARANCE
The Company will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.
EMERGENCY SICKNESS MEDICAL EXPENSE
The Company will pay benefits up to the maximum shown on the Confirmation of Coverage, if You incur Covered
Medical Expenses as a result of Emergency Treatment of a
Sickness that first manifests itself during the Covered Trip.

The Company will not pay benefits in excess of the reasonable and customary charges. Reasonable and customary charges means charges commonly used by
Physicians in the locality in which care is furnished. The
Company will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

Emergency Treatment means necessary medical treatment, including services and supplies, which must be performed during the Covered Trip due to the serious and acute nature of the Sickness.
SRTC 2000 (WA)

5

Individual A&H

The Company will pay benefits, up to $750.00, for emergency dental treatment for Accidental Injury to sound natural teeth.
The Company will advance payment to a Hospital, up to the maximum shown on the Confirmation of Coverage, if needed to secure Your admission to a Hospital because of
Accidental Injury.
If You are hospitalized due to an Accidental Injury which first occurred during the course of the scheduled Trip beyond the date of the Scheduled Return Date, coverage will be extended until You are released from the Hospital or until maximum benefits under this Policy have been paid.
LIMITATIONS AND EXCLUSIONS
The following exclusions apply to, Accidental Death &
Dismemberment, Emergency Sickness Medical Expense and Emergency Accident Medical Expense:
Loss caused by or resulting from:
1. Pre-Existing Conditions, as defined in the Definitions section; 2. suicide, attempted suicide or any intentionally selfinflicted injury while sane or insane, unless results in the death of a non-traveling immediate Family
Member;
3. war or act of war (whether declared or not);
4. participation in any military maneuver or training exercise; 5. piloting or learning to pilot or acting as a member of the crew of any aircraft;
6. mental or emotional disorders, unless hospitalized;
7. participation as a professional in athletics;
8. alcoholism or drug addiction;
9. commission or the attempt to commit a criminal act;
10. dental treatment except as a result of an injury to sound natural teeth;
11. any non-emergency treatment or surgery, routine physical examinations, hearing aids, eye glasses or contact lenses;
12. pregnancy and childbirth (except for complications of pregnancy), except if hospitalized;
13. traveling for the purpose of securing medical treatment; 14. care or treatment that is payable under any Insurance policy that does not require deductible and/or coinsurance payments by You;
15. Injury or Sickness when traveling against the advice of a Physician.

SRTC 2000 (WA)

6

Individual A&H

PASSENGER PROTECTION INSURANCE POLICY

Nationwide Mutual Insurance Company
One Nationwide Plaza
Columbus, Ohio 43215

GENERAL DEFINITIONS
Only the definitions that apply are included:
Accident means a sudden, unexpected, unusual, specific event that occurs at an identifiable time and place, but shall also include exposure resulting from a mishap to a conveyance in which You are traveling.

This Policy describes all of the travel insurance benefits, underwritten by Nationwide Mutual Insurance Company and herein referred to as the Company, and assistance services provided by On Call International. Please refer to the accompanying Confirmation of Coverage as it provides
You with specific information about the program You purchased. Please contact the Plan Administrator immediately if You believe that the Confirmation of
Coverage is incorrect.

Accidental Injury means Bodily Injury caused by an accident (of external origin) being the direct and independent cause in the loss.
Actual Cash depreciation. means

purchase

price

less

Additional Expense means any reasonable expenses for meals and lodging which were necessarily incurred as the result of a Hazard and which were not provided by the
Common Carrier or other party free of charge.

This Policy is issued in consideration of the enrollment form and payment of any premium due. All statements in the enrollment forms are representations and not warranties. Only statements contained in a written enrollment form will be used to void insurance, reduce benefits or defend a claim.

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 L.S.C. Subsection 101 et seq.

NO DIVIDENDS WILL BE PAYABLE UNDER THIS
POLICY.

Bodily Injury means identifiable physical injury which: (a) is caused by an Accident, and (b) solely and independently of any other cause, except illness resulting from, or medical or surgical treatment rendered necessary by such injury, is the direct cause of Your death or dismemberment within twelve months from the date of the Accident.

The President and Secretary of Nationwide Mutual
Insurance Company witness this Policy.

Secretary

Value

Business Partner means an individual who: (a) is involved in a legal partnership; and (b) is actively involved in the day-to-day management of the business.

President

Carry On Baggage means a piece of baggage that has not been checked and is owned by and accompanies You while traveling on a Common Carrier.

TRAVEL PROTECTION POLICY
EXCESS INSURANCE

Checked Baggage means a piece of baggage for which a claim check has been issued to You by a Common Carrier.
TABLE OF CONTENTS

Check-In means the moment You register at the
Hotel/Motel.

GENERAL DEFINITIONS
GENERAL PROVISIONS

Checkout means the moment You vacate the Hotel/Motel room and pay the itemized total costs incurred for Your stay.

COVERAGES:
Trip Cancellation
Trip Interruption
Trip Delay
Emergency Evacuation
Repatriation of Remains
Baggage/Personal Effects
Baggage Delay

Common Carrier means any land, and/or sea, and/or air conveyance operating under a valid license for the transportation of passengers for hire.
Company means Nationwide Mutual Insurance Company.
Covered Trip means any class of scheduled trips, tours or cruises You request coverage and remit the required premium. LIMITATIONS AND EXCLUSIONS

NATIONWIDE MUTUAL INSURANCE COMPANY
SRTC 2000 WA

7

Individual P&C

Cruise means any prepaid sea arrangements made by the
Travel Supplier.

b) Any delay by a traffic accident en route to a departure, in which You or a Traveling Companion is not directly involved and/or;
c) Any delay due to lost or stolen passports, travel documents or money, quarantine, hijacking, unannounced strike, natural disaster, civil commotion or riot.

Default means a material failure or inability to provide contracted services due to financial insolvency.
Dependent Child(ren) means Your child (or children), including an unmarried child, stepchild, legally adopted child or foster child who is: (1) less than age 19 and primarily dependent on the Insured for support and maintenance; or (2) who is at least age 19 but less than age 23 and who regularly attends an institution of learning an accredited school or college; and who is primarily dependent on the Insured for support and maintenance.

Hospital means a facility that:
(a) holds a valid license if it is required by the law;
(b) operates primarily for the care and treatment of sick or injured persons as in-patients;
(c) has a staff of one or more Physicians available at all times; (d) provides 24 hour nursing service and has at least one registered professional nurse on duty or call;
(e) has organized diagnostic and surgical facilities, either on the premises or in facilities available to the hospital on a pre-arranged basis; and
(f) is not, except incidentally, a clinic, nursing home, rest home, or convalescent home for the aged, or similar institution. Dependent means Your lawful spouse and/or unmarried children under 19 years of age.
Economy Fare means the lowest published rate for a oneway round trip economy ticket.
Effective Date means the date and time Your coverage begins, as outlined in the General Provisions section of this Certificate.

Host at Destination means a person with whom You are sharing pre-arranged overnight accommodations at the host’s usual principal place of residence.

Exchange means an agreement between an owner of a time-share vacation property whereby a confirmed transfer of a time share takes place.

Hotel/Motel means an establishment located in the United
States or Canada that provided lodging for the general public and usually meals, entertainment and various personal services.

Exchange Trip means Your pre-arranged Trip based on
Your Scheduled Arrival and Departure Dates to the
Exchange property and including the day before Your arrival date and the day after Your departure date.

Hotel/Motel Burglary means Forceful Entry into Your
Hotel/Motel room that results in Your suffering a loss of personal property.

Exotic Vehicles includes Alfa Romeo, Aston Martin,
Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M
Series, Bradley, Bricklin, Cosworth, Citroen, Clenet, De
Lorean, Excalibre, Ferrari, Fiat, Iso, Jaguar, Jensen,
Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, MG,
Morgan, Pantera, Panther, Pininfarina, Rolls Royce,
Rover, Stutz, Sterling, Triumph, TVR and Yugo.

Inclement Weather means any severe weather condition that delays the scheduled arrival or departure of a
Common Carrier.
Individual Coverage Term means the period of time beginning when You have been enrolled for coverage under this Policy and for whom the required premium has been paid.

Family Member means Your or Traveling Companion's legal or common law spouse, parent, legal guardian, stepparent, grandparent, parents-in-law, grandchild, natural or adopted child, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece or nephew, who reside in the United States,
Canada or Mexico.

Insured means the person who has enrolled for and paid for coverage under this Policy.
Land/Sea Arrangements means land and or sea arrangements made by the Travel Supplier.

Forceful Entry means that someone illegally accessed
Your Hotel/Motel room by breaking in a door, window or surrounding walls.

Loss means injury or damage sustained by You in consequence of happening of one or more of the occurrences against which the Company has undertaken to indemnify You.

Guest means a person who is scheduled to travel on an
Exchange Trip or a Trip to a home resort, has been provided a Guest certificate by the Travel Supplier, whose
Guest certificate has been applied to an Exchange.
Hazard means:
a) Any delay of a Common Carrier (including Inclement
Weather); and/or
SRTC 2000 WA

Maximum Benefit means the largest total amount of
Covered Expenses that the Company will pay for Your covered losses as found on the ID card.
Physician means a licensed practitioner of medical, surgical or dental services acting within the scope of Your
8

Individual P&C

license. The treating Physician may not be You, a
Traveling Companion or a Family Member.

The following provisions apply to all coverages:
WHEN YOUR COVERAGE BEGINS - All coverage
(except Trip Cancellation) will take effect at 12:01 A.M. local time, at Your location, on the Scheduled Departure
Date provided:
(a) coverage has been elected; and
(b) the required premium has been paid.

Pre-Existing Condition means any injury, sickness or condition of Yours, Your Traveling Companion and/or Your
Family Member booked to travel with You for which within the sixty (60) day period prior to the effective date of Trip
Cancellation coverage under this Policy (a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; (b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or (c) required medical treatment or treatment was recommended by a Physician.

Trip Cancellation coverage will take effect at 12:01 A.M. local time at Your location, on the date the required premium for such coverage is received by the Company or its authorized representative.
WHEN YOUR COVERAGE ENDS – Your coverage will end at 11:59 local time on the date that is the earliest of the following:
(a) the Scheduled Return Date as stated on the travel tickets; or
(b) the date You return to Your origination point if prior to the Scheduled Return Date; or
(c) the date You leave or change Your Covered Trip
(unless due to unforeseen and unavoidable circumstances covered by the Policy); or
(d) the time this Policy terminates. If insurance was purchased prior to the date of termination, insurance will continue to the end of the Individual Coverage
Term; or
(e) The date the Insured cancels the Covered Trip; or
(f) When You are less than up to 100 miles from Your primary residence;
(g) Any Trip that exceeds 365 days.

Scheduled Departure Date means the date on which You are originally scheduled to leave on the Trip.
Scheduled Return Date means the date on which You are originally scheduled to return to the point of origin (or) to a different final destination.
Sickness means an illness or disease which is diagnosed or treated by a Physician after the effective date of insurance and while You are covered under this Policy.
Strike means any unannounced labor disagreement that interferes with the normal departure and arrival of a
Common Carrier.
Terrorist Attack means an incident deemed an act of terrorism by the U.S. Department of State.

EXTENDED COVERAGE - Coverage will be extended under the following conditions:
(a) When You commence air travel from Your origination point: within two (2) days before the commencement of the Land/Sea Arrangements, coverage shall apply from the time of departure from the origination point; or
(ii) greater than two (2) days before the commencement of the Land/Sea Arrangements, the extension of coverage shall be provided only during
Your air travel (or;
(b) If You return to Your origination point: within two (2) days after the completion of the Land/Sea
Arrangements, coverage shall apply until the time of return to the origination point; or (ii) greater than two
(2) days after the completion of the Land/Sea
Arrangements, the extension of coverage shall be provided only during Your air travel; (or)
(c) If You are a passenger on a scheduled common carrier that is unavoidably delayed in reaching the final destination coverage will be extended for the period of time needed to arrive at the final destination (or);
In no event will coverage be extended for unscheduled extensions to Your Covered Trip for which premium has not been paid in advance.

Terrorist Incident means an incident deemed a terrorist act by the United States Government that causes property damage and or loss of life.
Traveling Companion means person(s) booked to accompany You on Your Trip and intends to travel with You during the Covered Trip. Note, a group or tour leader is not considered a Traveling Companion, unless You are sharing room accommodations with the group or tour leader.
Travel Supplier means airline, tour operator, cruise line, hotel or other organization that has made the Land and/or
Sea arrangements or other travel plans for the Insured.
Trip means prepaid Land/Sea Arrangements and shall include flight connections to join or depart such Land/Sea
Arrangements provided such flights are scheduled to commence within one day of the Land/Sea Arrangements.
Travel must be more than up to 100 miles from Your legal primary residence.
You or Your refers to all persons listed on the
Confirmation of Coverage under the program purchased by the Insured.

ARBITRATION - Notwithstanding anything in this Policy to the contrary, any claim arising out of or relating to this contract, or its breach, will be settled by arbitration administered by the American Arbitration Association in

GENERAL PROVISIONS
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accordance with its Commercial rules except to the extent provided otherwise in this clause. Judgment upon the award rendered in such arbitration may be entered in any court having jurisdiction thereof. All fees and expenses of the arbitration shall be borne by the parties equally.

All or a portion of all other benefits provided by this Policy may, at the option of the Company, be paid directly to the provider of the service(s). All benefits not paid to the provider will be paid to You.
Any payment made in good faith will discharge the
Company's liability to the extent of the claim.

However, each party will bear the expense of its own counsel, experts, witnesses, and preparation and presentation of proofs. The arbitrators are precluded from awarding punitive, treble or exemplary damages, however so denominated. If more than one Insured is involved in the same dispute arising out of the same Group Policy and relating to the same loss or claim, all such Insureds will constitute and act as one party for the purposes of the arbitration. Nothing in this clause will be construed to impair the rights of the Insureds to assert several, rather than joint, claims or defenses.

The applicable benefit amount will be reduced by the amount of benefits, if any, previously paid by other
Insurance Policies. In no event will the Company reimburse You for an amount greater than the amount paid by You.
NOTICE OF CLAIM - Written notice of claim must be given by the claimant (either You or someone acting for
You) to the Company or its designated representative within twenty (20) days after a covered loss first begins or as soon as reasonably possible. Notice should include
Your name, the Travel Supplier’s name and this Policy number. Notice should be sent to the Company’s administrative office, at the address shown on the cover page of this Policy, or to the Company's designated representative. LEGAL ACTIONS - No legal action for a claim can be brought against the Company until sixty (60) days after the
Company receives proof of loss. No legal action for a claim can be brought against the Company more than two (2) years after the time required for giving proof of loss.
CONTROLLING LAW - Any part of this Policy that conflicts with the state law where this Policy is issued is changed to meet the minimum requirements of that law.

PROOF OF LOSS - The Claimant must send the
Company, or its designated representative, proof of loss within ninety (90) days after a covered loss occurs or as soon as reasonably possible.

SUBROGATION - To the extent the Company pays for a loss suffered by You, the Company will take over the rights and remedies You had relating to the loss. This is known as subrogation. You must help the Company to preserve its rights against those responsible for the loss. This may involve signing any papers and taking any other steps the
Company may reasonably require. If the Company takes over Your rights, You must sign an appropriate subrogation form supplied by the Company.

PHYSICAL EXAMINATION AND AUTOPSY - The
Company, or its designated representative, at their own expense, have the right to have You examined as often as reasonable necessary while a claim is pending. The
Company, or its designated representative, also has the right to have an autopsy made unless prohibited by law.
The following provisions apply to Baggage/Personal
Effects and Baggage Delay coverages:

The following provisions will apply to Trip Cancellation,
Trip Interruption, Trip Delay, Emergency Evacuation and
Repatriation of Remains:

NOTICE OF LOSS - If Your property covered under this
Policy is lost, stolen or damaged, You must:
(a) notify the Company, or its authorized representative as soon as possible;
(b) take immediate steps to protect, save and/or recover the covered property:
(c) give immediate notice to the carrier or bailee who is or may be liable for the loss or damage;
(d) notify the police or other authority in the case of robbery or theft within twenty-four (24) hours.

PAYMENT OF CLAIMS - The Company, or its designated representative, will pay a claim after receipt of acceptable proof of loss. Benefits for loss of life are payable to Your beneficiary. If a beneficiary is not otherwise designated by
You, benefits for loss of life will be paid to the first of the following surviving preference beneficiaries:
a) Your spouse:
b) Your child or children jointly:
c) Your parents jointly if both are living or the surviving parent if only one survives:
d) Your brothers and sisters jointly: or
e) Your estate.

PROOF OF LOSS - You must furnish the Company, or its designated representative, with proof of loss. This must be a detailed sworn statement. It must be filed with the
Company, or its designated representative within ninety (90) days from the date of loss. Failure to comply with these conditions shall invalidate any claims under this Policy.

All other claims will be paid to You. In the event You are a minor, incompetent or otherwise unable to give a valid release for the claim, the Company may make arrangement to pay claims to Your legal guardian, committee or other qualified representative.

SRTC 2000 WA

SETTLEMENT OF LOSS - Claims for damage and/or destruction shall be paid after acceptable proof of the damage and/or destruction is presented to the Company and the Company has determined the claim is covered.
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Claims for lost property will be paid after the lapse of a reasonable time if the property has not been recovered.
You must present acceptable proof of loss and the value involved to the Company.

the Travel Supplier offers a substitute itinerary. Your
Scheduled Departure Date must be no more than 15 months beyond Your Effective Date. This benefit only applies if the policy has been purchased within 10 days of Your initial payment for the Trip and for the full cost of the Trip;
(h) Terrorism in a country which is part of the Trip which causes the United States Department of State to issue a travel warning that the Insured should not travel within that country for a period of time that would include the Trip;
(i) If within 45 days of Your departure, a politically motivated Terrorist Attack occurs within a 50 mile radius of the territorial city limits of the foreign city to be visited by the program for which You have registered and if the United States government issues a travel advisory indicating that Americans should not travel to a city named on the itinerary;
(j) Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty for a natural disaster other than war.
(k) Strike that causes complete cessation of services for at least 24 consecutive hours.
(l) Weather at the departure site that causes complete cessation of services of the Common Carrier for at least 24 consecutive hours and prevents You from reaching Your destination.
(m) Bankruptcy and/or Default of Your Travel Supplier which occurs more than 10 days following Your
Effective Date. Coverage is not provided for the
Bankruptcy or Default of the agency from whom the
Insured purchased the Land/Sea Arrangements. Your
Scheduled Departure Date must be no more than 15 months beyond Your Effective Date. 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. (n) An Insured is terminated, or laid off from employment subject to five years of continuous employment at the place of employment where terminated.
(o) Natural disaster at the site of Your destination that renders their destination accommodations uninhabitable limited to the cost of the airfare of Your
Covered Trip.

VALUATION - The Company will not pay more than the actual cash value of the property at the time of loss.
Damage will be estimated according to actual cash value with proper deduction for depreciation as determined by the Company. At no time will payment exceed what it would cost to repair or replace the property with material of like kind and quality.
DISAGREEMENT OVER SIZE OF LOSS: If there is a disagreement about the amount of the loss either You or the Company can make a written demand for an appraisal.
After the demand, You and the Company will each select
Your own competent appraiser. After examining the facts, each of the two appraisers will give an opinion on the amount of the loss. If they do not agree, they will select an arbitrator. Any figure agreed to by 2 of the 3 (the appraisers and the arbitrator) will be binding. The appraiser selected by You is paid by You. The Company will pay the appraiser they choose. You will share equally with the Company the cost for the arbitrator and the appraisal process.
TRIP CANCELLATION
The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are prevented from taking Your Covered Trip due to:
(a) Sickness, Accidental Injury or death of You, a
Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the
Scheduled Departure Date.
(b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within 10 days of departure; or having Your principal place of residence made uninhabitable by fire, flood or other natural disaster; (c) or burglary of Your principal place of residence within
10 days of departure.
(d) You or a Traveling Companion being directly involved in a traffic accident substantiated by a police report, while en route to departure;
(e) A transfer of You by the employer with whom You are employed on the Effective Date that requires Your principal residence to be relocated;
(f) The death or hospitalization of Your Host at
Destination;
(g) A Terrorist Incident that occurs in a city listed on Your
Trip itinerary and within 30 days prior to your
Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident that is causing the cancellation of Your Trip. Benefits are not provided if
SRTC 2000 WA

The Company will reimburse You for the following:
a) non-refundable cancellation charges imposed by
Travel Suppliers;
b) airfare cancellation charges for flights arranged by the
Travel Supplier in connection with Your Trip commencing within one day of the Land/Sea
Arrangements;
c) additional cost incurred if the skipper cancels Your Trip for a covered reason and the Insured elects to replace him/her with a skipper;
d) tuition expenses not refunded by the Travel Supplier;
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e) If the Travel Supplier cancels Your Covered Trip, You are covered up to $75.00 for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Covered Trip including the airfare.

months beyond Your Effective Date. This benefit only applies if the policy has been purchased within 10 days of Your initial payment for the Trip and for the full cost of the Trip;
(h) Terrorism in a country which is part of the Trip which causes the United States Department of State to issue a travel warning that the Insured should not travel within that country for a period of time that would include the Trip;
(i) If within 45 days of Your departure, a politically motivated Terrorist Attack occurs within a 50 mile radius of the territorial city limits of the foreign city to be visited by the program for which You have registered and if the United States government issues a travel advisory indicating that Americans should not travel to a city named on the itinerary;
(j) Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty for a natural disaster other than war;
(k) Strike that causes complete cessation of services for at least 24 consecutive hours.
(l) Weather at the departure site that causes complete cessation of services of the Common Carrier for at least 24 consecutive hours and prevents You from reaching Your destination.
(m) Bankruptcy and/or Default of the Travel Supplier which occurs more than 10 days following Your Effective
Date. Coverage is not provided for the Bankruptcy or
Default of the agency from whom the Insured purchased their Land/Sea Arrangements. Your
Scheduled Departure Date must be no more than 15 months beyond Your Effective Date. 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 the Insured to transfer to another airline in order to get to Your intended destination. (n) An Insured is terminated, or laid off from employment subject to five years of continuous employment at the place of employment where terminated.
(o) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable limited to the cost of the airfare of Your Covered Trip.

In no event shall the amount reimbursed exceed the amount You prepaid for the Covered Trip up to the maximum benefit shown on the Confirmation of Coverage.
Coverage does not include default of a Travel Supplier or other organization that results in loss of services.
SPECIAL CONDITIONS: You must advise the Travel
Supplier and the Company as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier as soon as reasonable possible.
SINGLE OCCUPANCY COVERAGE
The Company will reimburse You, up to the maximum shown on the Confirmation of Coverage, for the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has Your Trip delayed, canceled, or interrupted for a covered reason and You do not.
TRIP INTERRUPTION
The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are unable to continue on Your Covered Trip due to:
(a) Sickness, Accidental Injury or death of You, a
Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your continued participation in the Trip.
(b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within 10 days of departure; or having Your principal place of residence made uninhabitable by fire, flood or other natural disaster; (c) burglary of Your principal place of residence within 10 days of departure;
(d) You or a Traveling Companion being directly involved in a traffic accident substantiated by a police report, while en route to departure;
(e) A transfer of the Insured by the employer with whom the Insured is employed on their Effective Date which requires Your principal residence to be relocated;
(f) The death, or hospitalization of Your Host at
Destination;
(g) A Terrorist Incident that occurs in a city listed on Your
Trip itinerary and within 30 days prior to your
Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident that is causing the cancellation of Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your
Scheduled Departure Date must be no more than 15
SRTC 2000 WA

The Company will pay for the following:
a) unused, non-refundable land or sea expenses prepaid to the Travel Suppliers;
b) the airfare paid less the value of applied credit from an unused return travel ticket, to return home or rejoin the original Land/Sea Arrangements (limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets;
c) unused, non-refundable tuition expenses;
d) unused portion of the confirmed Exchange.
The Company will pay for reasonable additional accommodation and transportation expenses incurred by
Insured (up to $250 a day) if a Traveling Companion must remain hospitalized or if You must extend the Trip with
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Individual P&C

additional hotel nights due to a Physician certifying that
You cannot fly home due to an Accident or a Sickness but does not require hospitalization.

Transportation of Dependent Children: If You are in the
Hospital for more than seven (7) days following a covered
Emergency Evacuation, the Company will return Your dependents, who are under 18 years of age and accompanying You on the scheduled Trip, to their home, to the domicile of a person nominated by You or Your next of kin with an attendant, if necessary.

In no event shall the amount reimbursed exceed the amount You prepaid for the Covered Trip up to the maximum benefit shown on the Confirmation of Coverage.
TRIP DELAY

Transportation to Join You: If You are traveling alone and are in a Hospital alone for more than seven (7) consecutive days or if the attending Physician certifies that due to Your Injury or Sickness, You will be required to stay in the Hospital for more than seven (7) consecutive days, upon request the Company will bring a person, chosen by
You, for a single visit to and from Your bedside provided that repatriation is not imminent.

The Company will reimburse You for Covered Expenses on a one-time basis, up to the maximum shown in the
Confirmation of Coverage, if You are delayed en route to or from the Covered Trip for six (6) or more hours due to a defined Hazard.
Covered Expenses include:
(a) Any prepaid, unused, non-refundable land and water accommodations; (b) Any reasonable additional expenses incurred;
(c) An Economy Fare from the point where the You ended
Your Covered Trip to a destination where You can catch up to the Covered Trip; or
(d) A one-way Economy Fare to return You to Your originally scheduled return destination.

If You suffer an Injury or Sickness while on the Trip, which results in hospitalization and the attending Physician advises You against driving Your vehicle home, the
Company will pay the charges imposed up to $1,000 to return the unattended vehicle to Your primary residence.
This coverage is only afforded to non-commercial vehicles.
Transportation services are provided if authorized in advance by the assistance provider, and are limited to necessary economy fares less the value of applied credit from unused travel tickets, if applicable.

EMERGENCY EVACUATION AND
REPATRIATION OF REMAINS

Transportation means any Common Carrier, or other land, water or air conveyance, required for an Emergency
Evacuation and includes air ambulances, land ambulances and private motor vehicles.

EMERGENCY EVACUATION
The Company will pay benefits for Covered Expenses incurred, up to the maximum shown on the Confirmation of
Coverage, if an Accidental Injury or Sickness commencing during the course of the Covered Trip results in Your necessary Emergency Evacuation. An Emergency
Evacuation must be ordered by a Physician who certifies that the severity of Your Accidental Injury or Sickness warrants Your Emergency Evacuation.

The Company will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.
EXCESS INSURANCE LIMITATION
The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any loss there is other valid and collectible insurance or indemnity in place, the
Company shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable deductible.

Emergency Evacuation means:
(a) Your medical condition warrants immediate transportation from the place where You are injured or sick to the nearest Hospital where appropriate medical treatment can be obtained;
(b) after being treated at a local Hospital, Your medical condition warrants transportation to the United States where You reside, to obtain further medical treatment or to recover; or
(c) both (a) and (b), above.

REPATRIATION OF REMAINS
The Company will pay the reasonable Covered Expenses incurred to return Your body to the United States Your primary place of residence if You die during the Trip. This will not exceed the maximum shown on the Confirmation of Coverage.

Covered Expenses are reasonable and customary expenses for necessary transportation, related medical services and medical supplies incurred in connection with
Your
Emergency
Evacuation.
All transportation arrangements made for evacuating You must be by the most direct and economical route possible. Expenses for transportation must be:
(a) recommended by the attending Physician;
(b) required by the standard regulations of the conveyance transporting You; and
(c) authorized in advance by the Company or its authorized representative.
SRTC 2000 WA

Covered Expenses include, but are not limited to, expenses for embalming, cremation, casket for transport and transportation.
EXCESS INSURANCE LIMITATION
The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any loss there is other valid and collectible insurance or indemnity in place, the
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Individual P&C

Company shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable deductible.

The following exclusions apply to Trip Cancellation, Trip
Interruption, Trip Delay and Emergency Evacuation,
Repatriation of Remains:

BAGGAGE/PERSONAL EFFECTS

Loss caused by or resulting from:
1. Pre-Existing Conditions, as defined in the Definitions section (except
Emergency
Evacuation and Repatriation of Remains);
2. suicide, attempted suicide or any intentionally selfinflicted injury while sane or insane, unless results in the death of a non-traveling immediate Family
Member;
3. intentionally self-inflicted injuries;
4. war, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;
5. participation in any military maneuver or training exercise any loss starting while the Insured is in the service of the armed forces of any country. Orders to active military service for training purposes of two months or less will not constitute service in the armed forces. Upon notice to the Company of entering the armed forces, the Company will return to the Insured pro-rata any premium paid, less any benefits paid, for any period during which the Insured is in such service;
6. piloting or learning to pilot or acting as a member of the crew of any aircraft;
7. mental or emotional disorders, unless hospitalized;
8. participation as a professional in athletics;
9. participation in underwater activities;
10. being under the influence of drugs or intoxicants, unless prescribed by a Physician unless results in the death of a non-traveling immediate Family Member;
11. commission or the attempt to commit a criminal act;
12. participating in bodily contact sports; skydiving; hanggliding; parachuting; mountaineering; any race; bungee cord jumping; and speed contest speed contest shall not include any of the regatta races; scuba diving; spelunking or caving heliskiing extreme skiing; 13. dental treatment except as a result of an injury to sound natural teeth within twelve (12) months of the
Accidental Injury limited to up to $750;
14. any non-emergency treatment or surgery, routine physical examinations, hearing aids, eye glasses or contact lenses;
15. pregnancy and childbirth (except for complications of pregnancy)except if hospitalized;
16. curtailment or delayed return for other than covered reasons; 17. traveling for the purpose of securing medical treatment; 18. services not shown as covered;
19. directly or indirectly, the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive material, gas, matter or contamination; 20. confinement or treatment in a government Hospital; however the United States government may recover or collect benefits under certain conditions;
21. care or treatment that is not medically necessary;

The Company will reimburse You, up to the maximum shown on the Confirmation of Coverage, for loss, theft or damage to baggage and personal effects, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The baggage and personal effects must be owned by and accompany
You during the Covered Trip.
This coverage is secondary to any coverage provided by a
Common Carrier and all other valid and collectible insurance indemnity and shall apply only when such other benefits are exhausted.
There will be a per article limit shown on the Confirmation of Coverage.
There will be a combined maximum limit shown on the
Confirmation of Coverage for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; cameras and their accessories and related equipment.
The Company will pay the lesser of the following:
(a) Actual Cash Value at time of loss, theft or damage to baggage and personal effects, less depreciation as determined by the Company; or
(b) the cost of repair or replacement.
EXTENSION OF COVERAGE
If You checked Your property with a Common Carrier and delivery is delayed, coverage for Baggage/Personal
Effects will be extended until the Common Carrier delivers the property.

BAGGAGE DELAY (Outward Journey Only)
The Company will reimburse You for the expense of necessary personal effects, up to the maximum shown on the Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours, while on a Covered Trip, except for travel to final destination or place of residence.
You must be a ticketed passenger on a Common Carrier.
Additionally, all claims must be verified by the Common
Carrier who must certify the delay or misdirection and receipts for the purchases must accompany any claim.

LIMITATIONS AND EXCLUSIONS
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22. care or treatment for which compensation is payable under Worker’s Compensation Law, any Occupational
Disease law; the 4800 Time Benefit plan or similar legislation; 23. care or treatment that is payable under any Insurance policy that does not require deductible and/or coinsurance payments by You;
24. Injury or Sickness when traveling against the advice of a Physician;
25. cosmetic surgery except for: reconstructive surgery incidental to or following surgery for trauma, or infection or other covered disease of the part of the body reconstructed, or to treat a congenital malformation of a child;
26. this Policy does not insure against loss or damage
(including death or injury) and any associated cost or expense resulting directly or indirectly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act, regardless of any other cause or event contributing concurrently or in any other sequence thereto.

5. confiscation or expropriation by order of any government; 6. radioactive contamination;
7. war or any act of war whether declared or not;
8. theft or pilferage while left unattended in any vehicle;
9. mysterious disappearance;
10. property illegally acquired, kept, stored or transported;
11. insurrection or rebellion;
12. imprudent action or omission;
13. property shipped as freight or shipped prior to the
Scheduled Departure Date.

INSURANCE WITH OTHER INSURERS: If there be other valid coverage, not with this Company, providing benefits for the same loss on a provision of service basis or on an expense incurred basis and of which this Company has not been given written notice prior to the occurrence or commencement of loss, the only liability under any expense incurred coverage of this policy shall be for such proportion of the loss as the amount which would otherwise have been payable hereunder plus the total of the like amounts under all such other valid coverages for the same loss of which this insurer had notice bears to the total like amounts under all valid coverages for such loss, and for the return of such portion of the premiums paid as shall exceed the pro-rata portion for the amount so determined. For the purpose of applying this provision when other coverage is on a provision of service basis, the
"like amount" of such other coverage shall be taken as the amount which the services rendered would have cost in the absence of such coverage.

The following exclusions apply to Baggage/Personal
Effects and Baggage Delay:
The Company will not provide benefits for any loss or damage to:
1. animals;
2. automobiles and automobile equipment;
3. boats or other vehicles or conveyances;
4. trailers;
5. motors;
6. motorcycles;
7. aircraft;
8. bicycles (except when checked as baggage with a
Common Carrier);
9. household effects and furnishing;
10. antiques and collector’s items;
11. eye glasses, sunglasses or contact lenses;
12. artificial teeth and dental bridges;
13. hearing aids;
14. prosthetic limbs;
15. prescribed medications;
16. keys, money, stamps, securities and documents;
17. tickets;
18. credit cards;
19. professional or occupational equipment or property, whether or not electronic business equipment;
20. sporting equipment if loss or damage results from the use thereof.
Any loss caused by or resulting from the following is excluded: 1. breakage of brittle or fragile articles;
2. wear and tear or gradual deterioration;
3. insects or vermin;
4. inherent vice or damage while the article is actually being worked upon or processed;
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Non-Medical Emergency Evacuation Benefits
All reasonable expenses incurred for Your transportation to the nearest place of safety, or to Your home, are covered, up to a maximum of $25,000, if You must leave Your Trip for a Covered
Reason. Evacuation must occur within 10 days of any covered event.
Arrangements will be by the most appropriate and economical means available and consistent with Your health and safety. Benefits are only payable for arrangements made by One Call Worldwide
Travel Services Network, Inc.
Covered Reasons: We will pay for the Non-Medical Emergency
Evacuation Benefits listed above if, while on Your Trip, a formal recommendation from the appropriate local authorities, or the U.S.
State Department, is issued for You to leave a country You are visiting on Your Trip due to: 1) a natural disaster; 2) civil, military or political unrest; or 3) Your being expelled or declared a persona non-grata by a country You are visiting on Your Trip.
Non-Medical Evacuation Exclusions:
We do not cover: 1) loss or expense recoverable under any other insurance or through an employer; 2) loss or expense arising from or attributable to: (a) dishonest or criminal acts committed or attempted by You; (b) alleged violation of the laws of the country You are visiting, unless We determine such allegations to be fraudulent, or (c) failure to maintain required documents or visas; 3) loss or expense arising from or attributable to: (a) debt, insolvency, business or commercial failure; (b) the repossession of any property; or (c) Your non-compliance with a contract, license or permit; 4) loss or expense arising from or due to liability assumed by You under any contract.
Non-Medical Emergency Evacuation Benefits and Services are provided by: One Call Worldwide Travel Services Network, Inc.

One Call

Worldwide Travel Services Network
Medical Assistance - Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.
Medical Consultation and Monitoring - If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.
Medical Evacuation - When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the policy. All medical transportation services must be authorized and arranged by
One Call. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.
Emergency Medical Payments - We will assist you in the advancement of funds or guarantee payments (up to the policy limits) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.
Prescription Assistance - We will assist you with replacing medications that are lost, stolen or spoiled during your Trip, either locally or by special courier.
Repatriation of Remains - In the event of death while on a
Trip, we will arrange for the preparation and transportation required to return your remains to your home.
24 Hour Legal Assistance - If while on your Trip you encounter legal problems, we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.
Nurse Helpline - Registered nurses are available 24-Hours a day before and during your Trip to provide general health information, clinical assessment, and health counseling to give you assistance in making appropriate healthcare decisions.
While we strive to provide help and advice for problems encountered by travelers wherever or whenever they occur, situations may arise beyond our control when immediate resolution is not possible. We will make every reasonable effort to refer You to appropriate medical and legal providers, but neither the Insurer nor One Call Worldwide
Travel Services Network, Inc. may be held responsible for the availability, quality or results of any medical treatment or Your failure to obtain medical treatment.

One Call Travel Solutions

24-Hour Worldwide Travel Services
Message Services - We will transmit emergency messages to family, friends or business associates and let you know that the message has been received.
Language Interpretation Services - We provide interpretation services in major languages and will refer you to appropriate local services, if needed.
Emergency Cash Transfer - We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.
Pre-Trip Travel Services - We provide 24-Hour information, help and advice for your planned Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.
Travel Document and Ticket Replacement - When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).

One Call Concierge Services

• Restaurant, shopping, hotel recommendations/ reservations • Local transport (rental car/limousine, etc.) information and reservations

• Sporting, theatre, night life and event information



(sports scores, stock quotes, gift suggestions, etc.), recommendations and ticketing
Golf course information, referrals, recommendations and tee times
Tracking and assisting with the return of lost or delayed baggage Access Your Medical Records Online

With our exclusive Free Global Xpi Service, you can assure that your important medical records are available to you or any Physician chosen by you, at any time, anywhere in the world, quickly, wherever there is internet access available.
Register at www.globalxpi.com or call, toll free: 1-800-379-9887 Use Program Code N300S
These Services are Provided by: Global Xpi, Inc.

Business Services


emergency correspondence and business communication assistance • assistance with locating available business services such as: express/overnight delivery sites, internet cafes, print/ copy services
• assistance with or arrangements for telephone and web conferencing • emergency messaging to customers, associates, and others (phone, fax, e-mail, text, etc.)
• real time weather, travel delay and flight status information • worldwide business directory service for equipment repair/replacement, warranty service, etc.
• emergency travel arrangements
Contacting One Call’s 24-Hour Service Center
When outside the USA or Canada, call us collect through a local operator (you will first have to enter the International
Access Code of the country you are calling from). Within the USA or Canada, use the toll free number. Within U.S.A. & Canada Outside U.S.A. & Canada 1-855-878-9588 1-603-328-1329
YOUR PLAN NUMBER: N300S
The 24-Hour Assistance Services are provided by:
One Call Worldwide Travel Services Network, Inc.

Nationwide® Privacy Statement
Thank you for choosing Nationwide
Our privacy statement explains how we collect, use, share, and protect your personal information. So just how do we protect your privacy? In a nutshell, we respect your right to privacy and promise to treat your personal information responsibly. It’s as simple as that. Here’s how.
Confidentiality and security
We follow all data security laws. We protect your information by using physical, technical, and procedural safeguards. We limit access to your information to those who need it to do their jobs. Our business partners are legally bound to use your information for permissible purposes.
Collecting and using your personal information
We collect personal information about you when you ask about or buy one of our products or services. The information comes from your application, business transactions with us, consumer reports, medical providers, and publicly available sources. Please know that we only use that information to sell, service, or market products to you.
We may collect and use the following types of information:

Name, address, and Social Security number

Assets and income

Account and policy information

Credit reports and other consumer report information

Family member and beneficiary information

Public information
Sharing your information for business purposes
We share your information with other Nationwide companies and business partners. When you buy a product, we share your personal information for everyday purposes. Some examples include mailing your statements or processing transactions that you request. You cannot opt out of these. We also share your information where federal and state law requires.
Sharing your information for marketing purposes
We don’t sell your information for marketing purposes. We have chosen not to share your personal information with anyone except to service your product. So there’s no reason for you to opt out. If we change our policy, we’ll tell you and give you the opportunity to opt out before we send your information.
Using your medical information
We sometimes collect medical information. We may use this medical information for a product or service you’re interested in, to pay a claim, or to provide a service. We may share this medical information for these business purposes if required or permitted by law. But we won’t use it for marketing purposes unless you give us permission.
Accessing your information
You can ask us for a copy of your personal information. Please call the number on your insurance ID card if applicable, contact your customer service representative, or send a letter to the address below and have your signature notarized. This is for your protection so we may prove your identity. We don’t charge a fee for giving you a copy of your information now, but we may charge a small fee in the future.
We can’t update information that other companies, like credit agencies and third parties, provide to us. So you’ll need to contact these other companies to change and correct your information.
Send your privacy inquiries to the address below. Please include your name, address, and policy number. If you know it, include your agent’s name and number.
Travel Claims Administration
On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies
P.O. Box 481157
Kansas City, MO 64148
A parting word…
These are our privacy practices. They apply to all current and former clients of Nationwide Specialty Insurance. They also apply to joint policy or contract holders. This includes the following companies:
Nationwide Life Insurance Company
Nationwide Mutual Insurance Company
National Casualty Company
Allied Property and Casualty Insurance Company

Nationwide® HIPAA NOTICE OF PRIVACY PRACTICES
THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU
MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO
THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.
This Notice of Privacy Practices (the “Notice”) applies to Nationwide and describes the legal obligations of Nationwide, and your legal rights regarding your protected health information held by Nationwide under the Health Insurance Portability and
Accountability Act of 1996 (“HIPAA”). Among other things, this Notice describes how your Protected Health Information (“PHI” as that term is defined below) may be used or disclosed to carry out treatment, payment, or healthcare operations, or for any other purposes that are permitted or required by law.
Nationwide is required by HIPAA and certain state laws to maintain the privacy of your PHI and to provide you with notice of our legal duties and privacy practices with respect to your PHI. We are required to abide by the terms of this Notice so long as it remains in effect. Nationwide reserves the right to change the terms of this Notice and to make the new Notice effective for all
PHI maintained by us, as allowed or required by law. If we make any material change to this Notice, we will provide you with a copy of the revised Notice by mail to your last-known address on file.
Protected Health Information (PHI) includes individually identifiable health information that is created or received by Nationwide and that relates to: (1) your past, present, or future physical or mental health or condition, (2) the provision of health care to you, or (3) the past, present, or future payment for the provision of health care to you. PHI includes information of persons living or deceased.
USES AND DISCLOSURES OF YOUR PROTECTED HEALTH INFORMATION
Your Authorization. Certain uses and disclosures of PHI require your authorization. For example, most uses and disclosures of PHI for marketing purposes and disclosures that constitute a sale of PHI require a written authorization. Except as outlined below, we will not use or disclose your PHI without your written authorization. If you have given us an authorization, you may revoke it in writing at any time, unless we have already acted on it. Once we receive your written revocation, it will only be effective for future uses and disclosures.
Disclosures for Treatment, Payment or Health Care Operations. We may use or disclose your PHI as permitted by law for your treatment, payment, or health care operations. For instance, for your treatment, a doctor or health facility involved in your care may request information we hold in order to make decisions about your care. For payment, we may use or disclose your
PHI to our pharmacy benefit manager for administration of your prescription drug benefit. For health care operations, we will use and disclose your PHI for our health care operations, which include responding to customer inquiries regarding benefits and claims.
Family and Friends Involved In Your Care. With your approval, we may from time to time disclose your PHI to designated family, friends, and others who are involved in your care or in payment for your care in order to facilitate that person’s involvement in caring for you or paying for your care.
If you are unavailable, incapacitated, or facing an emergency medical situation and we determine that a limited disclosure may be in your best interest, we may share limited PHI with such individuals without your approval.
Business Associates. Certain aspects and components of our services are performed through contracts with outside persons or organizations. At times it may be necessary for us to provide your PHI to one or more of these outside persons or organizations. For example, we may disclose your PHI to a business associate to administerclaimsortoprovidesupportservices.Inallcases,werequirethesebusiness associates by contract to appropriately safeguard the privacy of your information.
Other Health-Related Products or Services. We may, from time to time, use your PHI to determine whether you might be interested in or benefit from treatment alternatives or other health-related programs, products, or services which may be available to you as a member of the health plan. For example, we may use your PHI to identify whether you have a particular illness, and advise you that a disease management program to help you manage your illness better is available to you. We will not use your information to communicate with you about products or services which are not health-related without your written permission.
Plan Administration. We may release your PHI to your plan sponsor for administrative purposes, provided we have received certification that the information will be maintained in a confidential manner and not used in any other manner not permitted by law.
1Nationwide Life Insurance Company®, National Casualty Company and the area

within Nationwide Mutual Insurance Company® that performs healthcare functions.

Other Uses and Disclosures. We are permitted or required by law to make certain other uses and disclosures of your PHI without your authorization. We may release your PHI for any purpose required by law. This may include releasing your
PHI to law enforcement agencies; public health agencies; government oversight agencies; workers compensation; for government audits, investigations, or civil or criminal proceedings; for approved research programs; when ordered by a court or administrative agency; to the armed forces if you are a member of the military; and other similar disclosures we are required by law to make.
OTHER PRIVACY LAWS AND REGULATIONS
Certain other state and federal privacy laws and regulations may further restrict access to and uses and disclosures of your personal health information or provide you with additional rights to manage such information. If you have questions regarding thes¬e rights, please send a written request to your designated contact as explained in the “Contact Information” section, below.
RIGHTS THAT YOU HAVE
Access to Your PHI. You have the right to copy and/or inspect much of the
PHI that we retain on your behalf. All requests for access must be made in writing and signed by you or your personal representative. We may charge you a fee if you request a copy of the information. The amount of the fee will be indicated on the request form. A request form can be obtained by writing your designated contact at the address provided in the “Contact Information” section.
Amendments to Your PHI. You have the right to request that the PHI that we maintain about you be amended or corrected. We are not obligated to make all requested amendments but will give each request careful consideration. If the information is incorrect or incomplete and we decide to make an amendment or correction, we may also notify others who work with us and have copies of the uncorrected record if we believe that such notification is necessary. A request form can be obtained by writing to your designated contact at the address provided in the “Contact Information” section.
Accounting for Disclosures of Your PHI. You have the right to receive an accounting of certain disclosures made by us of your PHI. Requests must be made in writing and signed by you or your personal representative. A request form can be obtained by writing your designated contact at the address provided in the “Contact Information” section.
Restrictions on Use and Disclosure of Your PHI. You have the right to request restrictions on some of our uses and disclosures of your PHI. We will consider, but are not required to agree to, your restriction request. A request form can be obtained by writing your designated contact at the address provided in the “Contact Information” section.
Request for Confidential Communications. You have the right to request and we will accommodate reasonable requests by you to receive communications regarding your PHI information from us by alternative means or at alternative locations. A request form can be obtained by writing your designated contact at the address provided in the “Contact Information” section.
Right to be Notified of a Breach. You have the right to be notified in the event we discover a breach of your unsecured PHI.
Right to a Paper Copy of This Notice. You have the right to a paper copy of this notice, even if you have requested such copy by e-mail or other electronic means.
Complaints. If you believe your privacy rights have been violated, you can file a written complaint with your designated contact as explained in the “Contact
Information” section, below. You may also file a complaint with the Secretary of the
U.S. Department of Health and Human Services, Office of Civil Rights, in writing within
180 days of a violation of your rights. There will be no retaliation for filing a complaint.
CONTACT INFORMATION
If you have any questions about this Notice, need copies of any forms or require further assistance with any of the rights explained above, contact us by calling
1-888-493-5378, or mail your request to:
Travel Claims Administration
Attn: Privacy Officer
9225 Ward Parkway
Kansas City, MO 64114
EFFECTIVE DATE
This Notice is effective 5/20/2013.
Nationwide, the Nationwide framework, and On Your Side are federally registered service marks of Nationwide Mutual Insurance Company.
NH-0524-J-052013
05/2013

Disclosure Notice:
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.
Purchasing travel insurance is not required in order to purchase any other products or services offered by the Travel Retailer.
The Travel Retailer’s employees are not qualified or authorized to answer technical questions about the benefits, exclusions or conditions of any of the insurance offered by the
Travel Retailer or to evaluate the adequacy of a prospective insured’s existing insurance coverage.

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