We will pay this benefit up to the amount on the Schedule of Coverages if you are injured in an accident which occurs while you are on a Trip and covered under this policy, and you suffer one of the losses listed below within 365 days of the accident. The Principal Sum is the benefit amount shown on the Schedule of Coverages.

We will pay 100% of the Principal Sum for loss of: life; both hands or feet, or sight of both eyes; one hand and one foot; or one hand or one foot and sight of one eye. We will pay 50% of the Principal Sum for loss of: one hand or one foot, or sight of one eye.

If you suffer more than one loss from an accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Policy Exclusions

1. We will not pay for loss caused by or resulting from sickness of any kind.
2. We will not pay for loss or expense incurred as the result of a Pre-Existing Condition, as defined, including death that results there from. This exclusion does not apply to benefits for Covered Expenses item #3 (emergency medical evacuation) or item #8 (return of remains) of the Medical Expense Benefits coverage.