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www.SunTripPreserver.com 866-889-7409

Executive Plaza IV

11350 McCormick Rd., Suite 102 Hunt Valley, MD 21031

SUN TRIP PRESERVER

Underwritten by Arch Insurance Company


DESCRIPTION OF COVERAGE

Master Contract Number: 11TVL4476000

You are not eligible for insurance under the plan until You have enrolled for coverage and paid the appropriate premium and provided You have not already departed on Your Trip.

Individual Short Term Travel Policy Insurance for residents of New York (P&C) and Vermont.

Notice to residents of Indiana, New Hampshire and Washington: This is not Your Description of Coverage. To obtain Your state-specific Description of Coverage or Policy, please call toll-free: 1-866-889-7409.

FOURTEEN-DAY FREE LOOK

You may cancel coverage under the policy by giving your property manager written notice within the first to occur of the following: (a) 14 days from the Effective Date of Your coverage; or (b) Your Scheduled Departure Date. If You do this, the Company will refund Your premium paid provided You have not filed a claim under the policy.

Notice to Residents of Alaska and New York (A&H). The master policy is on file with American Group Travel Trust, BankNewport as Trustee. Your Policy consists of this Description of Coverage and the enclosed applicable State Exceptions. In the event of any conflict between the Description of Coverage and the master policy, the master policy will govern. If You did not receive any of these documents, please call toll-free: 1-866-889-7409.

SCHEDULE OF COVERAGE AND SERVICES


Coverage

Maximum Benefit*

Part A - Travel Protection

Trip Cancellation

Trip Cost**

Trip Interruption

Trip Cost**

Trip Delay (12 hrs.)

$750 ($200/day)

Part B - Medical Protection

Emergency Accident & Sickness Medical Expense


$25,000

Emergency Evacuation & Repatriation

of Remains


$525,000

Part C - Baggage Protection

Baggage & Personal Effects

$1,250

Per Article

$500

Combined Limit for Valuables

$500

Baggage Delay (12 hrs.)

$1,000 ($200/day)

Part D - Travel Accident Protection

Accidental Death & Dismemberment

$100,000

Part E - Collision Damage Waiver

Collision Damage Waiver

$25,000

ASSISTANCE SERVICES CAN BE ACCESSED BY CALLING: 866-889-7409

Assistance services are provided by an independent organization and not by Arch Insurance Company. There may be times when circumstances beyond the Assistance Company’s control hinder their endeavors to provide travel assistance services. They will, however, make all reasonable efforts to provide travel assistance services and help you resolve your emergency situation.

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LIMITATIONS AND EXCLUSIONS

This policy does not cover Loss caused by or resulting from:

  1. Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains), unless the policy is purchased within 21 days of the initial Trip deposit. The booking for the Trip must be

    the first and only booking for this travel period and destination, You are not disabled from travel at the time You pay the premium, and You must purchase this policy for the full nonrefundable cost of Your Trip;

  2. Suicide, attempted suicide or any intentionally self- inflicted Injury while sane or insane committed by You, Your Traveling Companion, or Family Member whether insured or not;

  3. War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;

  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. Being under the influence of drugs or intoxicants, unless prescribed by a Physician;

  9. Commission or the attempt to commit a criminal act by You, Your Traveling Companion or Family Member whether insured or not;

  10. Participating in bodily contact sports; skydiving; hang gliding; parachuting; mountaineering where ropes or guides are normally used; any race, bungee cord jumping; speed contest; spelunking or caving;

  11. Dental treatment except as a result of Accidental Injury to sound natural teeth;

  12. Pregnancy and childbirth (except for Complications of Pregnancy);

  13. Traveling for the purpose of securing medical treatment;

  14. A Loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when the plan is not in effect for You;

  15. Any failure of a provider of travel related services (including any Travel Supplier) to provide the bargained- for travel services or to refund money due You.

The following limitation applies to Trip Cancellation: All cancellations must be reported directly to the Travel Supplier within 72 hours of the event causing the need to cancel, unless the event prevents it, and then as soon as is reasonably possible. If the cancellation is not reported within the specified 72-hour period, the Company will not pay for

additional charges which would not have been incurred had an Insured notified the Travel Supplier in the specified period. If the event prevents an Insured from reporting the cancellation, the 72-hour notice requirement does not apply; however, an Insured must, if requested, provide proof that said event prevented him or her from reporting the cancellation within the specified period.

The following exclusions apply to Baggage and Personal Effects and Baggage Delay: The Company will not provide benefits for any Loss or damage to: Animals; automobiles and automobile equipment; boats or other vehicles or conveyances; trailers; motors; motorcycles; bicycles (except when checked as baggage with a Common Carrier); eye glasses, sunglasses or contact lenses; artificial teeth and dental bridges; hearing aids; prosthetic limbs; keys, money, stamps, securities and documents; tickets.

Any Loss caused by or resulting from the following is excluded: wear and tear or gradual deterioration; insects or vermin; inherent vice or damage while the article is actually being worked upon or processed; confiscation or expropriation by order of any government; radioactive contamination; war or any act of war whether declared or not; property shipped as freight or shipped prior to the Scheduled Departure Date.

The following exclusions apply to Collision Damage Waiver:

  1. Any obligation You assume under any agreement (except insurance collision deductible);

  2. Rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles;

  3. Any Loss which occurs if You are in violation of the rental agreement;

  4. Failure to report the Loss to the proper local authorities and the rental company;

  5. Damage to any other vehicle, structure or person as a result of a covered Loss.

The following duties in the event of Loss apply to Collision Damage Waiver:

  1. You must take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

  2. You must report the Loss to the appropriate local authorities and the rental company as soon as possible;

  3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

  4. You must provide the Company all documentation such as rental agreement, police report and damage estimate.

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 Company 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 the 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. “Checked Baggage” means a piece of Baggage for which a claim check has been issued to You by a Common Carrier.

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

  10. “Common Carrier” means any regularly scheduled land, sea, and/or air conveyance operating under a valid license

    for the transportation of passengers for hire.

  11. "Company" means Arch Insurance Company.

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

  13. “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 Schedule of Coverage and Services, under each stated benefit.

  14. “Dependent Child(ren)” means Your 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.

  15. “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.

  16. "Economy Fare" means the lowest published rate for a one-way ticket.

  17. “Effective Date” means the date and time an Insured’s coverage begins, as outlined in the General Provisions section of the policy.

  18. “Exotic Vehicles” includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, Bradley, Bricklin, Corvette, Cosworth, Clenet, De Lorean, Excalibre, Ferrari, Fiat, Hummer, Iso, Jaguar, Jensen, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls Royce, Rover, Stutz, Sterling, Triumph, TVR. Antique cars meaning cars that are over 20 years old or have not been manufactured for 10 or more years, any vehicle with an original manufacturer’s suggested retail price

    greater than $25,000 and Yugo.

  19. “Family Member" means Your 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, stepchild, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in- law, aunt, uncle, niece or nephew.

  20. “Hazard” means:

    1. Any delay of a Common Carrier (including Inclement Weather).

    2. Any delay by a traffic Accident while en route to Your travel destination, in which You or Your Traveling Companion is directly or not directly involved.

    3. Any delay due to lost or stolen passports, travel documents or money, quarantine, hijacking, unannounced strike, Natural Disaster.

  21. "Hospital" means a facility that:

    1. Holds a valid license if it is required by the law;

    2. Operates primarily for the care and treatment of sick or injured persons as in-patients;

    3. Has a staff of one or more Physicians available at all times;

    4. Provides 24 hour nursing service and has at least one registered professional nurse on duty or call;

    5. Has organized diagnostic and surgical facilities, either on the premises or in facilities available to the hospital on a pre-arranged basis; and

    6. Is not, except incidentally, a clinic, nursing home, rest home, or convalescent home for the aged, or similar institution.

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

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

  24. "Insured" means the person named on the rental

    agreement and their Family Member and accompanying Traveling Companion if occupying the rental property premises with the insured. Insured does not mean an invited guest, unless the guest accompanies the insured to and from the vacation rental property destination and resides there with the insured for the duration of the rental agreement period. Insured also means 'You or Your'.

  25. "Land/Sea Arrangements” means land and /or sea arrangements made by the Travel Supplier.

  26. “Loss” means Injury or damage sustained by You as a result of one or more of the occurrences against which the Company has undertaken to indemnify You.

  27. “Maximum Benefit” means the largest total amount of Covered Expenses that the Company will pay for You.

  28. “Medically Necessary” means that a treatment, service, or supply is: (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.

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

  30. “Physician” means a licensed practitioner of medical, surgical or dental services acting within the scope of his/her license and shall include Christian Science Practitioners. The treating Physician may not be You, a Traveling Companion or a Family Member.

  31. “Pre-Existing Condition” means any Injury, Sickness or condition of You, a Traveling Companion or Your and/or Your Traveling Companion’s Family Member for which medical advice, diagnosis, care or treatment was recommended or received within the 60 day period ending on the Effective Date. Sicknesses or conditions are not considered pre- existing if the sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.

  32. "Scheduled Departure Date" means the date on which You are originally scheduled to leave on the Trip.

  33. "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.

  34. "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 the policy.

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

  36. “Terrorist Attack” means an incident deemed an act of terrorism by the U.S. Government.

  37. "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.

  38. "Travel Supplier" means tour operator, cruise line, hotel etc. who has made the Land and/or Sea arrangements.

  39. "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 week of the Land/Sea Arrangements.

  40. "Unforeseen" means not anticipated or expected and occurring after the effective date of the policy.

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

    GENERAL PROVISIONS

    The following provisions apply to all coverage:

    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 the policy that conflicts with the state law where the policy is issued is changed to meet the minimum requirements of that law.

    Misrepresentation and Fraud. Your coverage shall be void if, whether before or after a Loss, You have concealed or misrepresented any material fact or circumstance concerning the

    policy or the subject thereof, or Your interest, or if You commit fraud or false swearing in connection with any of the foregoing.

    Subrogation. To the extent the Company pays for a Loss suffered by an Insured, 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 an Insured's rights, You must sign an appropriate subrogation form supplied by the Company.

    Assignment. The policy is not assignable, whether by operation of law or otherwise, but benefits may be assigned.

    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:

    1. Coverage has been elected; and

    2. The required premium has been paid.

Trip Cancellation coverage will take effect at 12:01 A.M. local time at Your location, on the day after 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 P.M. local time on the date which is the earliest of the following:

  1. The Scheduled Return Date as stated on the travel tickets;

  2. The date You return to Your origination point if prior to the Scheduled Return Date;

  3. If You extend the return date, coverage will terminate at 11:59 P.M., local time, at Your location on the Scheduled Return Date;

  4. The date You cancel Your Trip.

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.

Mode of Premium: Insured: The required premium must be paid to the Company or its authorized representative prior to the Scheduled Departure Date of the Trip.

CLAIMS PROCEDURES

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:

  1. Your spouse:

  2. Your child or children jointly:

  3. Your parents jointly if both are living or the surviving parent if only one survives:

  4. Your brothers and sisters jointly: or

e) Your estate.

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 arrangements to pay claims to Your legal guardian, committee or other qualified representative.

All or a portion of all other benefits provided by the 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.

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 and the policy number. Notice should be sent to the Company’s administrative office, at the address shown on the cover page of the policy, or to the Company's designated

representative.

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. The following provisions apply to Baggage/Personal Effects and Baggage Delay coverages:

Notice of Loss. If Your property covered under the policy is lost, stolen or damaged, You must:

  1. Notify the Company, or its authorized representative as soon as possible;

  2. Take immediate steps to protect, save and/or recover the covered property;

  3. Give immediate notice to the carrier or bailee who is or may be liable for the Loss or damage;

  4. Notify the police or other authority in the case of robbery or theft within twenty-four (24) hours.

Proof of Loss. You must furnish the Company, or its designated representative, with proof of Loss. This must be a detailed 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 the policy.

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. 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.

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 their 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.

Benefit to Bailee. This insurance will in no way inure directly or indirectly to the benefit of any carrier or other bailee.

CLAIM INSTRUCTIONS

When you have a claim to report, please follow these initial instructions:

Trip Cancellation, Trip Interruption, and Trip Delay Claims

- IMMEDIATELY notify your management company and obtain a claim form from the management company or at www.trippreserver.com, which will provide all the details required for filing your claim appropriately.

Accident & Sickness Medical Expenses – Obtain a claim form at www.trippreserver.com. The claim form will provide all the details required for filing your claim appropriately.

Baggage Expense - Obtain a claim form at www.trippreserver.com. The claim form will provide all the details required for filing your claim appropriately.

Please read the instructions contained on the Claim Form very carefully. The instructions will direct you toward filing all the correct, necessary documentation and following the appropriate procedures in order to have your claim settled as quickly as possible.


HOW TO CONTACT US TO FILE A CLAIM:

Red Sky Travel Insurance c/o Arch Insurance Company 11350 McCormick Rd, Suite 102

Hunt Valley, MD 21031 PHONE: 1-866-889-7409

EMAIL: redsky@archinsurance.com WEBSITE: www.TripPreserver.com


STATE EXCEPTIONS

ALASKA RESIDENTS: The following provisions are added: Examination under Oath: You are allowed to have legal representation present when examined under oath.

INSURANCE WITH OTHER INSURERS: If You have other valid coverage, for which this Company has not been given written notice prior to the occurrence or commencement of a Loss, the Company's 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 under this policy plus the total of the like amounts under all such other valid coverage for the same Loss of which this insurer had notice bears to the total like amounts under all valid coverage for such Loss. The Company shall return such portion of the premiums paid as shall exceed the pro-rata portion for the Company's liability as 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.

LEGAL ACTIONS: No actions at law or in equity shall be brought to recover on the policy prior to the expiration of sixty days after written proof of Loss has been furnished in accordance with requirements of this policy. No such action shall be brought after expiration of three years from the date a claim is denied in whole or in part.

Regarding Claims payments, undisputed claims will be paid within 30 business days of satisfactory notice of Loss.

INDIANA RESIDENTS: Separate policy required.

NEW HAMPSHIRE RESIDENTS: Separate policy required

NEW YORK RESIDENTS: The definition of Pre-existing condition is deleted in its entirety and replaced by the following:

“Pre-Existing Condition” means any Injury, sickness or condition of the Insured, Traveling Companion Family Member booked to travel with the Insured for which medical advice, diagnosis, care or treatment was recommended or

received within the six (6) month period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription. Such an Injury or Sickness will continue to be a Pre-Existing Condition until the expiration of 12 consecutive months, beginning with the effective date of coverage for which the Insured has not received any medical care, consultation, diagnosis, or treatment or has not taken any prescribed drug or medicine on account of such condition.

Exclusions 3, 5, 6 and 12 are deleted in their entirety and are replaced by the following:

3. War, or an act of war (whether declared or undeclared); participation in riot or insurrection; service in the Armed Forces or units auxiliary thereto;

  1. Aviation, other than while You are a fare paying passenger on a scheduled or chartered flight operated by a scheduled airline;

  2. Mental or emotional disorders, except to the extent required by New York law;

12. Pregnancy and childbirth except to the extent required under New York law.

The following exceptions apply to Emergency Accident and Sickness Medical Expense, Emergency Evacuation and Repatriation of Remains, and Accidental Death & Dismemberment.

The following is added to the medical expense benefits:

NEW YORK MANDATES: Under New York Law, certain mandated benefits are required to be provided under a medical expense policy. The Company will pay benefits as applicable to this program for such mandates.

The Misrepresentation and Fraud Provision is deleted in its entirety and replaced by the following: MISREPRESENTATION AND FRAUD. Coverage as to an Insured shall be void if, whether before or after a loss, the Insured signs a written instrument which conceals or misrepresents any material fact or circumstance concerning the Policy or the subject thereof, or the interest of the Insured

therein, or if in such written instrument, the Insured commits fraud or false swearing in connection with any of the foregoing.

The Subrogation provision is deleted in its entirety and replaced by the following: Subrogation To the extent the Company pays for a loss suffered by an Insured, the Company will take over the rights and remedies the Insured had relating to the loss against the party responsible for your illness or injury to the extent of the benefits the Company has paid. This means that the Company has the right independently of the insured to proceed against the party responsible for your illness or injury to recover the benefits we have paid.

The following is added to the Payment of Claims provision: Benefits under this Policy are payable to the Insured not more than sixty (60) days after receipt of proper Proof of Loss.

The definition of Dependent Child(ren) is deleted in its entirety and replaced by the following:

“Dependent Child(ren)” means the Insured’s children, including a stepchild, legally adopted child or child who is under the Insured’s guardianship during the waiting period prior to finalization of the adoption if such Child and depends on the Insured Person’s support and maintenance. The term Child includes a foster child (not pending adoption) who is eligible for benefits provided by a governmental program or law if the foster child 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 accredited school or college; and who is primarily dependent on the Insured for support and maintenance.

The definition of “Hospital” is deleted in its entirety and replaced by the following: “Hospital” means a short-term, acute, general hospital, that:

  1. is primarily engaged in providing, by or under the continuous supervision of physicians, to inpatients, diagnostic services and therapeutic services for

    diagnosis, treatment and care of injured or sick persons;

  2. has organized departments of medicine and major surgery;

  3. has a requirement that every patient must be under the care of a physician or dentist;

  4. provides 24-hour nursing service by or under the supervision of a registered professional nurse (R.N.);

  5. if located in New York State, has in effect a hospitalization review plan applicable to all patients which meets at least the standards set forth in section 1861(k) of United States Public Law 89-97,(42 USCA 1395x[k]);

  6. is duly licensed by the agency responsible for licensing such hospitals; and is not, other than incidentally, a place of rest, a place primarily for the treatment of tuberculosis, a place for the aged, a place for drug addicts, alcoholics, or a place for convalescent, custodial, educational, or rehabilitative care.

The definition of Covered Expenses is deleted in the entirety and replaced by the following: “Covered Expenses” shall mean expenses incurred by the Insured which are for covered 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 the Policy; and which do not exceed the maximum limits shown in the accompanying Schedule of Benefits, under each stated benefit.

The definition of Medically Necessary and Terrorist Attack are deleted in their entirety.

The following definition of Domestic Partnership is added: A domestic partnership is a legal or personal relationship between individuals who live together and share a common domestic life but are not joined in a traditional legally binding marriage. Proof of a common domestic financial interdependence can be achieved by registration as a domestic couple, or evidence such a joint bank account, joint credit card, shared rental payments or other items of proof sufficient to establish economic interdependency.

The Pre-existing condition exclusion is deleted in its entirety and replaced by the following:

  1. Pre-Existing Conditions, as defined in the Definitions section for twelve (12) months following the effective date of coverage (except Emergency Evacuation and Repatriation of Remains) unless the Policy is purchased within 21 days of the

    initial Trip deposit; the Insured must purchase the policy for the full cost of their Trip. For the purpose of this exclusion, genetic information shall not be treated as a pre-existing condition in the absence of a diagnosis of the condition related to such information. No pre-existing condition limitation provision shall exclude coverage in the case of:

    (1) an individual who, as of the last day of the thirty-day period beginning with the date of birth, is covered under creditable coverage as defined

    in subsection (c) of this section; (2) a child who is adopted or placed for adoption before attaining eighteen years of age and who, as of the last day of the thirty-day period beginning on the date of the adoption or placement for adoption, is covered under creditable coverage as defined in subsection

    (c) of this section; (3) pregnancy; or (4) an individual, and any dependent of such individual, who is eligible for a federal tax credit under the federal Trade Adjustment Assistance Reform Act of 2002 and who has three months or more of creditable coverage.

    Exclusion 2. Suicide is deleted in its entirety and replaced by the following

  2. Suicide, attempted suicide or any intentionally self-inflicted injury committed by the Insured, Traveling Companion or Family Member, whether insured or not;

Exclusion 8 drugs or intoxicants is deleted in its entirety and replaced by the following:

  1. Treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic agent, except use of a drug prescribed by a physician to the extent coverage is required by New York Law.;

    Exclusion 9 Criminal Act is deleted in its entirety and replaced by the following:

  2. Expenses as a result of or in connection with the commission of any felony or attempt to commit a felony or to which a contributing cause was the insured's being engaged in an illegal occupation.

Exclusion 11 dental care is deleted in its entirety and replaced by the following: Dental treatment except as a result of an

injury to natural teeth caused by Accident or necessary care due to congenital disease or anomaly. Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids.

The following exclusions are deleted: 4,7,10, and 13

The following exceptions apply to Trip Cancellation, Trip Interruption, Trip Delay, Baggage/ Personal Effects, Baggage Delay, and Collision Damage Waiver.

The Fourteen Day Free Look Provision is deleted in its entirety.

The Subrogation provision is deleted in its entirety and replaced by the following:

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. This means that the Company has the right independent of You to proceed against the party responsible for Your Loss to recover benefits we have paid.

The Dispute Resolution provision is added to the policy:

DISPUTE RESOLUTION. The Company and You agree to the exclusive jurisdiction of the courts of the State of New York to resolve any dispute or controversy arising out of this policy. The policy shall be construed in accordance with and governed by the laws of the State of New York.

Exclusion 12, Dental care is deleted in its entirety and replaced by the following:

12. Dental treatment except as a result of an Injury to sound natural teeth.

VERMONT RESIDENTS:

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

VERMONT AMENDATORY ENDORSEMENT

This endorsement modifies insurance provided under the following:

TRAVEL PROTECTION PROGRAM

  1. The Endorsement will attach to policy number LTP2007 and

    is effective on March 1, 2008:

  2. The following revisions apply to CLAIMS PROCEDURES AND PAYMENT:

    The following is added to the PAYMENT OF CLAIMS provision:

    After claim settlement has been agreed upon by the claimant and the Company, the Company will mail payment in the agreed amount to the claimant and/or Loss payee within ten

    (10) working days.

  3. This endorsement provides benefits under the certificate for parties to a civil union. Vermont law requires that insurance policies offered to married persons and their families be made available to parties to a civil union and their families. In order to receive benefits in accordance with this endorsement, the civil union must be established in the state of Vermont according to Vermont law.

    It is understood that policy definitions and provisions designating

and any other policy definitions and provisions designating You under this certificate, are amended, wherever appearing, where terms denoting a marital relationship or family relationship arising out of a marriage are used, to indicate parties to a civil union and their families under Vermont law.

All other terms and conditions of the policy remain unchanged.

WASHINGTON RESIDENTS:

Separate policy required.