EXCLUSIONS

The following exclusions apply to Parts A & B:

This plan does not cover any loss caused by or resulting from:

1) Suicide, attempted suicide, or any intentionally self-inflicted Injury while sane or insane (in Missouri, sane only) committed by You or Your Traveling Companion;

2) War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war; Participation in any military maneuver or training exercise;

3) Participating in bodily contact sports; skydiving; hang gliding; parachuting; mountaineering; any race; bungee cord jumping; and speed contest;

4) Participation as a professional in athletics;

5) Piloting or learning to pilot or acting as a member of the crew of any aircraft;

6) Being under the influence of drugs or intoxicants unless prescribed by a Physician;

7) Commission or the attempt to commit a criminal act by You or Your Traveling Companion;

8) Pregnancy and childbirth (except for Complications of Pregnancy);

9) Dental treatment except as a result of Accidental Injury to sound, natural teeth;

10) Pre-Existing Conditions;

11) Mental or emotional disorders, unless hospitalized.

The following exclusions apply to Baggage/Personal Effects Coverage only in Part C:

Any Loss or Damage to: animals; automobiles and their equipment; boats; trailers, motors; motorcycles; other conveyances and their equipment (except bicycles while checked as Baggage with a Common Carrier); eyeglasses, sunglasses, and contact lenses; artificial teeth and dental bridges; hearing aids; prosthetic limbs; keys, money, securities, and documents; tickets.

Any Loss Caused by or Resulting From: Wear and tear, gradual deterioration; insects or vermin; inherent vice or damage; confiscation or expropriation by order of any government; radioactive contamination; war or any act of war whether declared or not; and property shipped as freight or shipped prior to the Scheduled Departure Date.

DEFINITIONS

1) “Accident” means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place, but shall also include exposure resulting from a mishap to a conveyance in which You are traveling.

2) “Accidental Injury” means Bodily Injury caused by an Accident (of external origin) being the direct and independent cause in the loss.

3) “Actual Cash Value” means purchase price less depreciation.

4) “Assistance Company” means the service provider with which the Insurer has contracted to coordinate and deliver emergency travel assistance, medical evacuation, and repatriation

5) “Baggage” means luggage and personal possessions, whether owned, borrowed, or rented, taken by You on Your Trip.

6) “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 death or dismemberment of You within twelve months from the date of the Accident.

7) “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.

8) “City” means an incorporated municipality having defined borders and does not include the high seas, uninhibited areas, or airspace.

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

10) “Complication of Pregnancy” means a condition whose diagnosis is distinct from pregnancy but is adversely affected or caused by pregnancy.

11) “Cruise” means any prepaid sea arrangements.

12) “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 You for support and maintenance; or (2) who is at least age 19 but less than age 23 and who regularly attends an accredited school or college; and who is primarily dependent on You for support and maintenance;

13) “Domestic Partner” means a person, at least 18 years of age, with whom You have been living in a spousal relationship with evidence of cohabitation for at least 10 continuous months prior to the Effective Date of coverage.

14) “Economy Fare” means the lowest published rate for a one way ticket.

15) “Effective Date” means the date and time Your coverage begins, as outlined in the General Provisions section of this policy.

16) “Family Member” means You or Your Traveling Companion’s legal or common law spouse, Domestic Partner, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, foster child, ward, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece, or nephew.

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

18) “Inclement Weather” means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.

19) “Injury” means Bodily Injury caused by an Accident occurring while this policy is in force, and resulting directly and independently of all other causes in loss covered by the policy. The Injury must be verified
by a Physician.

20) “The Insurer” means Arch Insurance Company.

21) “Land/Sea Arrangements” means land and/or sea arrangements booked through the Travel Supplier.

22) “Medically Necessary” means that a treatment, service, or supply: (1) is essential for diagnosis, treatment, or care of the Injury or Sickness for which it is prescribed or performed; (2) meets generally accepted standards of medical practice; and (3) is ordered by a Physician and performed under his or her care, supervision, or order.

23) “Natural Disaster” means flood, fire, hurricane, tornado, earthquake, volcanic eruption, blizzard or avalanche that is due to natural causes.

24) “Pre-Existing Condition” means any Injury, Sickness or condition of Yourself, a Traveling Companion or You and/or Your Traveling Companion’s Family Member for which medical advice, diagnosis, care or treatment was recommended or received within the 180 day period ending on the Effective Date. Conditions are not considered pre-existing if the condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.

25) “Physician” means a licensed practitioner of medical, surgical, or dental services acting within the scope of his/her license. The treating Physician may not be Yourself, a Traveling Companion, or a
Family Member.

26) “Scheduled Departure Date” means the date on which You are originally scheduled to leave on the Trip.

27) “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.

28) “Sickness” means illness or disease which is diagnosed and treated by a Physician on or after the Effective Date of the protection plan and while You are covered under this plan.

29) “Strike” means any unannounced labor disagreement that interferes with the normal departure and arrival of a Common Carrier

30) “Terrorist Attack” means an incident deemed an act of terrorism by the U.S. government.

31) “Travel Supplier” means tour operator, Cruise line, hotel, etc., who has made the land and/or sea arrangements.

32) “Traveling Companion” means a person who is sharing travel arrangements with You. Note, a group or tour leader is not considered a Traveling Companion unless You are sharing room accommodations with the group or tour leader.

33) “Trip” means prepaid Land/Sea Arrangements and shall include flight connections to join and depart such Land/Sea Arrangements, provided such flight connections are scheduled to commence within one (1) day of the Land/Sea Arrangements.

34) "Unforeseen" means not anticipated or expected and occurring after the Effective Date of the policy.

35) “Used” means to avail oneself of, to employ, to expend or consume, or to convert to one’s service.

36) “You,” “Your,” or “the Insured” means a person who has purchased a Trip and who has paid the required plan cost for the protection plan provided herein.

TERM OF COVERAGE

1. The Trip Cancellation Benefit takes effect at 12:01 am the day after the receipt of the appropriate plan cost that covers the full cost of Your Trip

2. All other Coverage take effect at 12:01 am local time at Your location on the departure date of Your Trip.

3. All Coverage shall terminate on the earlier of the following dates: (a) Your return to the origination point as specified in the travel tickets; (b) 11:59 pm local time at Your location on the date Your Trip is completed.

4. If You extend the return dates, all Coverage will terminated at 11:59 pm local time at Your location on the date originally Scheduled Return Date.

EXTENDED COVERAGE

All coverage under the policy will be extended, if: (a) Your entire Trip is covered by the policy; and (b) Your return is delayed by covered reasons specified under Trip Cancellation and Interruption or Travel Delay. If coverage is extended for the above reasons, coverage will end on the earlier of; (a) the date You reach Your return destination; or (b) seven (7) days after the date the Trip was scheduled to be completed.

NOTICE TO STATE OF WASHINGTON RESIDENTS: This is not Your Insurance policy.

To obtain Your state specific insurance policy, call 1.800.243.3174 Your are entitled to cancel the policy within 14 Days of Your purchase date with a full refund provided You have not already departed on Your Trip. Under Accident and Sickness Medical Expense, You are eligible for coverage if You receive any treatment within 365 days of the Accident of 30 days of the onset of the Sickness.

IMPORTANT NOTICE: Payments for the plan will not be accepted after Your total tour cost has been paid in full.

Protection plan fees are non-refundable

BENEFICIARY

Your estate, unless written notice of a designated beneficiary is provided to the
Plan Administrator.

Plan is designed by Travel Insured International, Inc.

This Insurance, under policy #AIC-TRVL-P (2/03) is underwritten by: Arch Insurance Company, with its principal place of business in New York, NY

Policy terms and conditions are briefly outlined in this Description of Coverage. Complete provisions pertaining to this insurance are contained in the Master Policy on file with American Group Travel Trust, Bank Newport as Trustee. In the event of any conflict between this Description of Coverage and the Master Policy, the policy will govern.

QUESTIONS, GENERAL INFORMATION OR FILING A CLAIM

For questions regarding Your plan or to receive a claim form, contact TII, or send Your name, address, travel dates, booking number and details of Your loss within 30 days to:

Travel Insured International, Inc.
P.O. Box 280568
East Hartford, CT  06128-0568
1-866-684-0218
(Weekdays 7:45am – 5:30pm EST)
www.travelinsured.com