Dogtag Basic

Plan Detail

Plan Administrator: Trawick International | AM Best Rating: B++ | Underwriter: GBG Insurance Limited


WHEN YOUR COVERAGE BEGINS - Provided: (a) coverage has been elected; and (b) the required premium has been paid.

All coverage (except Trip Cancellation) will begin at 12:01 A.M. local time at Your location on the Scheduled Departure Date. If coverage is purchased on the Scheduled Departure Date, such coverage will take effect at 12:01 A.M. local time, at Your location, on the day after the Scheduled Departure Date. No coverage can be purchased after a person departs on a trip.

Trip Cancellation coverage will begin on Your Effective Date.

WHEN YOUR COVERAGE ENDS - Your coverage will end at 11:59 P.M. local time on the date that is the earliest of the following:

a) the date the Policy is terminated;

b) the Scheduled Return Date as stated on the travel tickets;

c) the date You return to Your origination point if prior to the Scheduled Return Date;

d) the date You leave or change the Trip (unless due to Unforeseen and unavoidable circumstances covered by the Policy);

e) if You extend the return date, coverage will terminate at 11:59 P.M., local time, at Your location on the Scheduled Return Date, unless otherwise authorized by the Company in advance of the Scheduled Return Date;

f) the date Your Trip is cancelled;

g) when Your Trip exceeds ninety (90) days.

EXTENDED COVERAGE - Coverage will be extended under the following conditions, should they occur during the journey to the return destination or to a different destination:

a) If You are unavoidably delayed up to five (5) days in traveling on the Scheduled Return Date due to a reason covered under this plan, coverage will be extended for the period of time needed to arrive at the point of origin or to a different final destination.

EXCESS INSURANCE LIMITATION - The insurance provided by this Certificate 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.