Part IV. - General Exclusions
Applicable To All Coverages
These exclusions apply to all benefits. In addition to any exclusions which apply to a particular benefit (called “Additional Exclusions”), the policy does not cover loss caused by: (a) intentionally self-inflicted harm, suicide, or attempted suicide while sane or insane; (b) normal pregnancy or childbirth; (c) participation in professional athletic events, motor sport or motor racing including training or practice for the same; (d) mountain climbing; (e) war or act of war, whether declared or not, civil disturbance or insurrection; (f) operating or learning to operate any aircraft, as student, pilot or crew; (g) air travel on any air-supported device, other than a regularly scheduled airline or air charter company; (h) loss or damage caused by detention, confiscation, or destruction by customs; (i) any unlawful acts, committed by the Insured,Immediate family member or a Traveling Companion, whether insured or not;(j) civil disorder or riot; (k) mental, psychological, or nervous disorders including, but not limited to, anxiety, depression, neurosis, or psychosis;(n)if the Insured's tickets do not contain specific travel dates (open tickets); or (o) alcohol or substance abuse.

PRE-EXISTING MEDICAL CONDITION EXCLUSION APPLICABLE TO ALL COVERAGES
The Insurer will not pay for loss or expense incurred as the result of Injury or Sickness of an Insured or Immediate Family Member which manifests itself during the 60 days immediately preceding and including the Insureds Coverage effective date, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the 60-day period. A sickness has manifested itself when medical care, treatment or diagnosis has been given.

MAXIMUM LIMIT OF LIABILITY: All limits are applied per Trip.
The Insurer's maximum limit of liability resulting from the same occurrence will be $10,000,000 under the Travel Guard Program Policies (TGP Policies). If loss for all Insureds from such an occurrence exceeds $10,000,000 we will pay each Insured that proportion of the Benefits stated which $10,000,000 bears to the total loss of all persons we insure under all travel and flight insurance in force, under the TGP Policies. The Insurer will pay no more than $250,000 per occurrence, under the TGP Policies, to or on account of any person insured under the TGP Policies.

Part V. - Description of Coverages
Trip Cancellation & Interruption
The Insurer will pay this primary benefit up to the Maximum Limit shown on the Schedule of Benefit if a Trip is delayed, canceled, or interrupted due to any of the following unforeseen reasons: (a) Unforeseen Sickness, Injury, or death of an Insured or Immediate Family Member. Injury or Sickness must be so disabling as to reasonably cause a Trip to be delayed, canceled, or interrupted. (b) Termination of employment or layoff affecting you or your Traveling Companion; must have been with the same employer for at least five continuous years. (c) Inclement Weather conditions causing delay or cancellation of travel; (d) the Insured's principal residence or Destination being made uninhabitable by fire, flood, vandalism, burglary, or Natural Disaster; ( e) the Insured being subpoenaed, required to serve on jury duty, hijacked or quarantined; (f) being involved in or delayed due to a traffic accident en route to departure; (g) Military Duty (having your leave revoked or being reassigned within 10 days of departure date); (h) you or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to your departure date; (i) and a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival. “City” means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas or airspace.
In addition to the General Exclusions, this coverage does not cover loss caused by: (i) carrier-caused delays, including an announced, organized sanctioned union labor strike that affects public transportation, unless the Insured's coverage effective date is prior to when the Strike is foreseeable. A Strike is foreseeable on the date the labor union members vote to approve a Strike. (ii) travel arrangements canceled or changed by an airline, cruise line, or tour operator, unless the cancellation is the result of bad weather; (iii) changes in plans by the Insured, an Immediate Family Member, or Traveling Companion for any reason; (iv) financial circumstances of the Insured, an Immediate Family Member, or a Traveling Companion; (v) any business or contractual obligations of the Insured, an Immediate Family Member, or a Traveling Companion, except for termination or layoff of employment as defined above; (vi) Default by the person, agency, or tour operator from whom the Insured bought his/her coverage and purchased his/her travel arrangements; (vii) any government regulation or prohibition; (viii) an event or circumstance which occurs prior to the effective date of coverage.
Trip Cancellation Benefits: The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits for Trips that are delayed or canceled before the scheduled Trip Departure Date.
The Insurer will pay for the following:
The Insurer will reimburse for the following: (a) forfeited, non-refundable prepaid payments, made prior to your Trip Departure Date, or arrangements for the Insured’s Trip if the Insured's Trip is interrupted;
(b) additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Trip is canceled, and the Insured’s Trip is not canceled due to the reasons shown at the beginning of this section.
Trip Interruption Benefits: The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits for Trips that have been interrupted or delayed, due to the reasons shown at the beginning of this section.
The Insurer will reimburse for the following:
(a) forfeited, non-refundable, unused prepaid payments made prior to your Trip Departure Date or arrangements for the Insured’s Trip if the Insured’s Trip is interrupted; or
(b) additional transportation expenses incurred by the Insured, either (i) to the Return Destination; or (ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
(c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the Trip Departure Date.
However, the benefit payable under (b) and (c) above will not exceed the cost of economy airfare (or first class if the Insured’s original tickets were first class) by the most direct route, less any refunds paid or payable;
(d) the Insured’s additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Trip is interrupted, and the Insured’s Trip is continued.

Missed Connections
The Insurer will reimburse this benefit up to the Maximum Limit shown on the Schedule of Benefits if Inclement Weather causes cancellation or a delay of all regularly scheduled airline flights for three to less than twelve hours to your point of departure. You can collect up to $500 for additional transportation costs to join the Trip (must be same class of original tickets purchased). Reasonable accommodations and meals (up to $100 per day), and/or the non-refundable, unused portion of the prepaid expenses as long as the expense is supported by a proof of purchase and is not reimbursable by another source. Common Carrier must certify the delay of the regularly scheduled airline flight.

Travel Delay
The Insurer will reimburse incurred expenses up to $200 a day to the Maximum Limit shown on the Schedule of Benefits if the Insured’s Trip is delayed for more than six hours for for Reasonable Additional Expenses until travel becomes possible. Incurred expenses must be accompanied by receipts. This benefit is payable for only one delay per insured per Trip. Travel Delay must be caused by reasons listed under Trip Cancellation & Interruption, in addition to: (a) carrier delay; (b) lost or stolen passport, travel documents or money; (c) quarantine; (d) Natural Disaster; or (e) Injury or Sickness of the Insured or Traveling Companion.

Baggage Delay Benefit
The Insurer will reimburse incurred expenses up to the Maximum Limit shown on the Schedule of Benefits for Baggage which is delayed or misdirected more than 24 hours for the cost of necessary personal effects. Incurred expenses must be accompanied by receipts. This does not apply if baggage is delayed after the Insured has reached his/her return destination.

Baggage & Travel Documents
The Insurer will reimburse this Primary (see definition) benefit, up to the Maximum Limit shown on the Schedule of Benefits. The Insurer will pay for loss, theft or damage to the Insured’s Baggage, passports, and visas during the Insured’s Trip. The Insurer will also pay for loss due to unauthorized use of the Insured’s credit cards, if the Insured has complied with all credit card conditions imposed by the credit card companies.
Continuation of Coverage: If the covered Baggage, passports, and visas are in the charge of a charter or common carrier, and delivery is delayed, this coverage will continue until such property is delivered to the Insured. This coverage does not include loss caused by the delay.
Property Not Covered: The Insurer will not pay for damage or loss of:
(a) animals;
(b) motor vehicles, aircraft, and other conveyances;
(c) artificial limbs, false teeth, any type of eyeglasses, sunglasses, contact lenses or hearing aids;
(d) tickets, except for administrative fees required to reissue tickets;
(e) money, stamps, stocks and bonds, postal or money orders;
(f) property shipped as freight, or shipped prior to the Trip Departure Date;
(g) credit cards, except as noted above;
(h) contraband.
Special Limitation: The Insurer will not pay more than $500 for the first item and thereafter, no more than $250 per item up to the limit of coverage as defined on the Schedule of Benefits. The Insurer will not pay more than $500 aggregate on all losses to: jewelry, watches, gems, furs, cameras and camera equipment, camcorders, sporting equipment, computers, radios and other electronic items. Items over $150 should be accompanied by original receipts. If receipts are not provided, benefits may be reduced.
Additional Exclusions: In addition to the General Exclusions, the Insurer will not pay this benefit for loss due to:
(a) defective materials or craftsmanship; or
(b) normal wear and tear; or
(c) deterioration; or
(d) rodents, animals, or insects.
Payment of Loss: The Insurer will pay the lesser of: the cost to repair an item or replace with an item of like kind and quality. The Insurer will notify the Insured within 30 days after the Insurer receive his/her proof of loss. The Insurer may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a loss to a pair or set of items, the Insurer may at our option: (a) repair or replace any part to restore the pair or set to its value before the loss; or (b) pay the difference between the value of the property before and after the loss.

Medical Expense Benefit
The Insurer will pay this Primary (see definition) benefit, up to the Maximum Limit shown on the Schedule of Benefits.
The Insurer will pay for medical expenses incurred by the Insured within one year from the date of Injury or Sickness provided initial treatment was received during the Trip. The Injury must occur or Sickness must begin while the Insured is covered by the policy.
Covered Expenses:The Insurer will pay the Insured’s Reasonable and Necessary medical and surgical expenses. The Insurer will pay emergency dental treatment only during a Trip. Dental coverage does not apply if treatment or expenses are incurred after the Insured has reached their return destination regardless of the reason. Payment for dental expenses incurred is limited to a maximum of $500. The treatment must be given by a Physician or dentist. The Insurer will pay for professional nursing, Hospital charges, X-ray, ambulance services, and prosthetic devices. Physical therapy will be covered up to 90 days after the Insured reaches his/her Return Destination.

Emergency Medical Transportation Benefit
The Insurer will pay this Primary (see definition) benefit, up to the Maximum Limit shown on the Schedule of Benefits.
The Insurer will arrange for emergency medical transportation services required by the Insured as the result of an Injury or Sickness during a Trip.
Covered Expenses: The Insurer will arrange and pay: (a) Reasonable and Necessary medical services required for evacuation to the nearest adequate medical facility or home if medically required. This service will be arranged only if the attending Physician determines that adequate medical treatment is not locally available; (b) up to $5,000 for Reasonable and Necessary escort expenses required by the Insured, if the Insured is disabled during a Trip and an escort is recommended, in writing, by the attending Physician; (c) Reasonable and Necessary services for transportation of the Insured’s remains to his/her place of residence if he/she dies during a Trip. Service must be provided by a provider designated by us. Timely notification by the Insured to our designated provider is required, with regard to emergency evacuation.
Additional Benefit: In addition to the above covered expenses, if the Insurer previously evacuated an Insured to a medical facility, we will pay his/her airfare costs from that facility to the Insured’s Return Destination, within one year from the Insured’s original Trip Completion Date, less refunds from the Insured’s unused transportation tickets. Airfare costs will be economy, or first class if the Insured’s original tickets are first class. This benefit is available only if it is not provided under another coverage in this policy.
Additional Exclusions: In addition to the General Exclusions, the Insurer will not pay for services arranged without our prior consent or approval.

Part VI. - Payment of Claims
Claim Procedures: Notice of Claim: The Insured must call the Insurer as soon as reasonably possible, and be prepared with what coverage the loss was under (i.e., Medical Expenses), the name of the company that arranged the Trip (i.e., tour operator, cruise line, or charter operator), the Trip dates and the amount that the Insured paid.Travel Guard will fill in the claim form and forward it to the Insured for his or her review and signature. The completed form should be returned to Travel Guard Group, Inc., 1145 Clark Street, Stevens Point,Wisconsin 54481 (telephone 1-715-345-0505 or 1-800- 826-7791). All California claims will be adminstered by Mercury Claims Adminstrator Services, LLC.
Claim Procedures: Proof of Loss: The claim forms must be sent back to us no more than 60 days after a covered loss occurs or ends, or as soon after that time as is reasonably possible. If the Insurer have not provided claim forms within 15 days after the notice of claim, other proofs of loss should be sent to us by the date claim forms would be due. The proof of loss should include written proof of the occurrence, type and amount of loss, the Insured's name, the participating organization name and the policy number.
Payment of Claims: When Paid: Claims will be paid as soon as we receive complete proof of loss.
Payment of Claims: To Whom Paid: Benefits paid on account of an Insured’s death will be paid to the beneficiary he/she has chosen. The choice must be in writing and filed with us, or filed with you or your administrator if we have agreed in advance. If the Insured has not chosen a beneficiary, or if there is no beneficiary alive when he dies, the Insurer will pay the benefit:
1) To his/her spouse, if living;
2) If not, in equal shares to his/her living children;
3) If there are none, in equal shares to his/her living parents;
4) If there are none, in equal shares to his/her living brothers and sisters;
5) If there are none, to his/her estate.
If a benefit is payable to a minor or other person who is incapable of giving a valid release, the Insurer may pay up to $1,000 to a relative by blood or connection by marriage who has assumed care or custody of the minor or responsibility for the incompetent persons affairs. Any payment the Insurer makes in good faith fully discharges us to the extent of that payment.
All other benefits will be payable to the Insured. However, if he/she has assigned his/her benefits, the Insurer will honor the assignment, if we have a signed copy of the assignment. A payment made pursuant to such an assignment shall discharge us from further liability under this policy to the extent of such payment. Under no circumstances shall we be responsible for the validity or sufficiency of any such assignment.

General Provisions
Acts of Agents - No agent or any person or entity has authority to accept service of the required proof of loss or demand arbitration on our behalf nor to alter, modify or waive any of the provisions of the policy.
Autopsy- The Insurer at it's own expense, may require an autopsy where permitted by law.
Insurer's Recovery Rights - In the event of a payment under the policy, the Insurer is entitled to all rights of recovery that the Insured, or the person to whom payment was made, has against another. The Insured must sign and deliver to the Insurer any legal papers relating to that recovery, do whatever is necessary to help the Insurer exercise those rights, and do nothing after the loss to harm our rights. When an Insured has been paid benefits under this policy but also recovers from another policy, the amount recovered from the other policy shall be held in trust for the Insurer by the Insured and reimbursed to the Insurer the extent of the Insurer’s payment. This provision does not apply in North Carolina.
Legal Actions - No one may sue for benefits less than 60 days after due proof of loss is submitted, nor more than 3 years (or the minimum period of time permitted by state law, if greater) after the date claim forms are due.
Payment of Premium - Coverage is not effective unless all premium due has been paid to Travel Guard prior to a date of loss or insured occurrence.
Termination of the Policy - Termination of the policy will not affect a claim for loss which occurs while the policy is in force.
Transfer of Coverage - Coverage under the policy cannot be transferred by the Insured to anyone else without prior written consent.

Services

Medical Referral: If medical advice or care is needed, Travel Guard will refer the Insured to the nearest and most appropriate care facility or provide a listing to the Insured of the available medical care. At the Insured’s request, Travel Guard will assist with obtaining an appointment with the medical care provider chosen by the Insured.
Translation or Interpretation Service: Travel Guard will provide emergency telephone translation services as well as referrals to interpreter services upon the Insured’s request.
Emergency Message Relay: Travel Guard provides you with the ability to receive or transmit emergency messages to your family, employer, or family Physician.
Legal Referrals: Travel Guard will refer the Insured to the nearest attorney upon request, anywhere in the world.
Lost Passport/Travel Documents: Travel Guard will assist the Insured with obtaining replacements if an Insured loses important travel documents while on the road — e.g., passport, credit cards, airline tickets, etc.
Emergency Medical Transportation: In the event of an injury or an illness to a subscriber requiring medical treatment or hospitalization that is not adequate where the Insured is traveling, Travel Guard will coordinate and arrange emergency medical transportation to the nearest appropriate hospital. Once the Insured is stabilized, and it’s medically necessary, Travel Guard will also coordinate the return of the Insured to a hospital near his permanent residence.
Bail Bond Assistance: In a legal emergency, referral to a local legal advisor and advance of funds for bail.
Bag Trak™: Travel Guard will provide you with: personalized identification tags for your bags, passport, wallet, camera, or other valuables and two permanent identification cards. If your bags are lost or stolen, Travel Guard will assist in locating them.