Plan Detail

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

• Plan Cost :The plan costs are determined by your total trip cost. you can insure your trip up to a total of $10,000. The plan cost is exactly 5% of your total trip cost
• Ages- 14 days to 99 years.
• Coverage length- Maximum trip length 90 days.
• Renew: nonrenewable
• ID card- Apply online to get ID card in email.
• Pre-existing condition waiver: : Included when purchased within 14days of initial trip payment.

LIMITATIONS AND EXCLUSIONS               

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Accidental Death & Dismemberment, Emergency Accident Medical Expense, Emergency Evacuation, Emergency Sickness Medical Expense, Missed Connection and Repatriation of Remains:

Loss caused by or resulting from:

1. Pre-Existing Conditions, as defined in the Definitions section;

2. suicide, attempted suicide or any intentionally self-inflicted injury while sane or insane (unless results in the death of a non-traveling Family Member);

3. intentionally self-inflicted injuries;

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

5. participation in any military maneuver or training exercise;

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

7. mental or emotional disorders, unless Hospitalized;

8. participation as a professional in athletics;

9. participation in underwater activities (does not include recreational swimming);

10. being under the influence of drugs or intoxicants, unless prescribed and used in accordance with the instructions provided by a Physician, unless results in the death of a non-traveling Family Member;

11. commission or the attempt to commit a dishonest, fraudulent or criminal act;

12. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

13. pregnancy and childbirth (except for complications of pregnancy); except if Hospitalized;

14. curtailment or delayed return for other than covered reasons;

15. traveling for the purpose of securing medical treatment;

16. services not shown as covered;

17. directly or indirectly, the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive material, gas, matter or contamination;

18. confinement or treatment in a government Hospital; however the United States government may recover or collect benefits under certain conditions.

The following exclusions apply to Baggage Delay:

The Company will not provide benefits for any Loss or damage to:

1. animals;

2. automobiles and automobile equipment;

3. boats or other vehicles or conveyances;

4. trailers;

5. motors;

6. motorcycles;

7. aircraft;

8. bicycles (except when checked as baggage with a Common Carrier);

9. household effects and furnishing;

10. antiques and collector’s items;

11. eye glasses, sunglasses or contact lenses;

12. artificial teeth and dental bridges;

13. hearing aids;

14. artificial limbs and other prosthetic devices;

15. prescribed medications;

16. keys, cash, stamps, securities and documents;

17. tickets;

18. credit cards;

19. professional or occupational equipment or property, whether or not electronic business equipment; 20. personal computers, cell phones, computer hardware or software;

21. sporting equipment if loss or damage results from the use thereof;

22. musical instruments;

23. retainers and orthodontic devices.

Any Loss caused by or resulting from the following is excluded:

1. breakage of brittle or fragile articles;

2. wear and tear or gradual deterioration;

3. insects or vermin;

4. inherent vice or damage while the article is actually being worked upon or processed;

5. confiscation or expropriation by order of any government;

6. war or any act of war whether declared or not;

7. theft or pilferage while left unattended in any vehicle;

8. mysterious disappearance;

9. property illegally acquired, kept, stored or transported;

10. insurrection or rebellion;

11. imprudent action or omission;

12. property shipped as freight or shipped prior to the Scheduled Departure Date.