How Our Advantage Series Plans Compare Plan Benefits Assure (Plan # AR790) Assure Plus (Plan # AR790P) Trip Cancellation Trip Cost Trip Cost Trip Interruption 150% of Trip Cost 150% of Trip Cost Trip Delay (6 hours or more) Itinerary Change $250 $250 Missed Connection $1,500 $1,500 Medical Expense/Emergency Assistance Primary Coverage (No Deductibles) Primary Coverage (No Deductibles) Accident & Sickness Medical Expenses $100,000 $100,000 Emergency Medical Evacuation & Repatriation of Remains $1,000,000 $1,000,000 Non-Medical Emergency Evacuation $25,000 $25,000 One Call 24-Hour Assistance Service Included Included Global Xpi Medical Records Service Included Included Baggage & Personal Effects $1,500 $1,500 Baggage Delay (12 Hours or More) Accidental Death & Dismemberment 24-Hour Coverage During the Trip $50,000 $50,000 Cancel For Any Reason* Not Available 75% of Non-Refundable Trip Cost Coverage for Supplier Bankruptcy or Default and Pre-Existing Conditions Bankruptcy or Default - benefits are available on both plans due to Bankruptcy or Default, as defined, of any airline, cruise line or travel supplier occurring more than 14 days after Your benefit effective date. Pre-Existing Condition Coverage this policy exclusion is waived provided:1) Your payment for this plan is received within 15 days of your initial Trip deposit; 2) this is your first and only booking for this travel period and destination; and 3) You are not disabled from travel at the time You make Your payment for this plan. What is a Pre-Existing Condition? Pre-Existing Condition Pre-Existing Condition means an illness, disease, or other condition during the 60 day period immediately prior to the Effective Date of Your coverage for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You: 1) received or received a recommendation for a test, examination, or medical treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before Your coverage is effective under this plan. * The Cancel For Any Reason Benefit is subject to: 1) payment for the plan being received within 15 days of the initial deposit/payment for the Trip; 2) insuring 100% of the cost of all Travel Arrangements that are subject to cancellation penalties or restrictions; and 3) cancellation of the Trip two (2) days or more before the Scheduled Departure Date. INFORMATION YOU NEED TO KNOW Benefits in this brochure are described on a general basis only. There are certain restrictions, exclusions and limitations that apply to all coverages and services. This advertisement does not constitute or form any part of the Plan Description or any other contract of any kind. Plan benefits, limits, and provisions may vary by state jurisdiction. To review details of the plans online, go to: tripmate.com/wpar790 or tripmate.com/wpar790p. At time of purchase, you will receive a Plan Document which describes the benefits and limitations in detail. One Call 24-Hour Assistance Service and Global Xpi Medical Records Service are non-insurance services and are not insurance benefits underwritten by Arch Insurance Company. Coverage Highlights Assure Assure Plus Maximum Trip Cost $100,000 $100,000 Maximum Trip Duration 120 Days 120 Days Maximum Age None None Pre-Existing Conditions Exclusion Waiver Pre-Existing Condition Exclusion Look Back Period Within 15 Days of Trip Deposit* Within 15 Days of Trip Deposit* 60 Day Period 60 Day Period Job Termination or transfer, required to work or merger/acquisition Non-Medical Emergency Evacuation Hospital of Choice Pre-Existing Condition Exclusion only applies to an Insured who is Traveling Trip Cancellation due to Hurricane Warning Revocation of military leave or reassignment (including war) Normal pregnancy or attending a Family Member s childbirth Unannounced Strike or inclement weather causing complete cessation of service by a common carrier for at least 12 hours Terrorist Incident occurring in a city listed on the Trip itinerary within 30 days of Scheduled Departure Date Bankruptcy/Default of a Travel Supplier Residence, destination or workplace made uninhabitable by fire, flood or natural disaster Extension of a school year in conflict with Trip dates * Provided: 1) Your payment for this plan is received within 15 days of your initial Trip deposit; 2) this is your first and only booking for this travel period and destination; and 3) You are not disabled from travel at the time You make Your payment for this plan.
Optional Benefits Sports Coverage Hazardous Sports - Benefits will be paid under the Accident Medical Expense coverage, if an Insured becomes injured while participating in any of the following sports: mountaineering where ropes or guides are normally used (not to exceed a height of 15,000 feet), skydiving or parachuting, hang gliding, bungee jumping, scuba diving, if PADI or NAUI certified, to depths below 130 feet, and spelunking. This Sports Coverage also provides up to $1,000: If a Trip is canceled or interrupted due to a covered reason, coverage is provided for the unused non-refundable costs of prepaid lift tickets, green fees, equipment rentals and lessons; and/or expenses for rental equipment if sporting equipment is lost, stolen, damaged, destroyed or delayed by a Common Carrier (for 12 hours or more) during the Trip for the reasons covered by the Baggage and Baggage Delay benefits. Extended Personal Property Pac This optional benefit provides coverage up to $1,000 under the Baggage/Personal Effects Benefit for: Business Equipment, Cell Phones, Laptops, Tablets & PDAs (a $100 deductible applies). The Baggage Delay Benefit is extended to cover rental of Business Equipment to replace Business Equipment delayed 12 hours or more. Rental Car Damage This optional benefit provides up to $35,000 of coverage for damage due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within the Insured s control to a car rented while in his/her possession on a Trip. This benefit pays for the lesser of: a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or b) the Actual Cash Value of the car, meaning purchase price less depreciation; or c) $35,000. Accidental Death & Dismemberment This optional benefit allows coverage to be added for Air Flight Accidental Death & Dismemberment. Three optional limits are available: $100,000, $250,000 or $500,000. Customer Service and Claims Have questions or need to report a claim? You can call us toll-free at the number listed below. You can also view many Frequently Asked Questions, report and complete your claim(s) online at mhross.com or call 1-800-423-3632. Benefits are administered by: Trip Mate, Inc. (in CA & UT, dba Trip Mate Insurance Agency) 9225 Ward Parkway, Suite 200, Kansas City, MO, 64114 Insurance Benefits are Underwritten By: Arch Insurance Company. 24 Hour Assistance Service is provided by: One Call Travel Services Network, Inc. Benefits are not payable for any loss due to, arising or resulting from: 1. due to a Pre-Existing Condition, as defined in the plan. This Pre- Existing Condition exclusion does not apply to the Emergency Medical Evacuation or Repatriation of Remains coverage; 2. suicide, attempted suicide or any intentionally self-inflicted injury of You, a Traveling Companion, Family Member or Business Partner booked to travel with You, while sane or insane; 3. war, invasion, acts of foreign enemies, hostilities between nations (whether declared or undeclared), or civil war; 4. participating in maneuvers or training exercises of an armed service or police force of any country; 5. riding or driving in races, or speed or endurance competitions or events; 6. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment); 7. participating as a professional in a stunt, athletic or sporting event or competition; 8. participating in skydiving or parachuting (except parasailing), hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, any race or speed contests (not including any regatta races), scuba diving if the depth exceeds 130 feet or if You are not PADI or NAUI certified to dive and a dive master is not present during the dive, or spelunking; 9. piloting or learning to pilot or acting as a member of the crew of any aircraft; 10. being Intoxicated or under the influence of any controlled substance unless taken as administered or prescribed by a Physician; 11. the commission of or attempt to commit a felony or being engaged in an illegal occupation; 12. normal pregnancy (except complications of pregnancy) and/ or resulting childbirth, except as otherwise covered under Trip Cancellation or Trip Interruption, or voluntarily induced abortion; 13. any amount paid or payable under any Worker s Compensation, Disability Benefit or similar law; 14. a loss or damage caused by detention, confiscation or destruction by customs official; 15. any non-emergent treatment or surgery, routine physical examinations, hearing aids, eye glasses, contacts or any Elective Treatment and Procedures; 16. any loss occurring during a Trip booked or taken for the purpose or intent of securing medical treatment; 17. failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements for reasons other than Bankruptcy or Default; 18. business, contractual or educational obligations of You, a Family Member, Business Partner, or Traveling Companion; 19. a mental, or nervous or psychological disorder, unless Hospitalized for that condition while the plan is in effect for You; 20. a loss that results from an illness, disease or other condition, event or circumstance that occurs at a time when the plan is not in effect for You; 21. directly or indirectly, the actual, alleged or threatened use, discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive weapon, device, material, gas, matter or contamination; 22. traveling against the advice of a Physician and any loss occurring during such a Trip; 23. expenses resulting from a motor vehicle accident, unless You are properly licensed to operate the vehicle at the place and time of the Accident. People Who Care Travel Protection Plan Summary Advantage Assure Series Book Protect Enjoy! For Customer Service, call 1-800-423-3632 For rates and to purchase coverage, please visit http://alumtravelinsurance.com Or call MH Ross at 1-800-423-3632. Agency ID: BRAN0018NJ Brandeis University Meyer and Associates 12/2015
WORLDWIDE TRIP PROTECTOR TRAVEL RELAXED. TRAVEL SECURE. TRAVEL INSURED. 800.243.3174» WWW.TRAVELINSURED.COM YOUR FINANCIAL SECURITY Trip Cancellation: Provides reimbursement up to your full, prepaid, non-refundable trip cost when you are forced to cancel. Including: Cancel for Work Reasons, which provides Trip Cancellation for business-related reasons. Trip Interruption: Can reimburse you up to your prepaid, non-refundable trip cost when you must cut your trip short. This may cover unused vacation arrangements and added transportation costs. Missed Connection: Reimburses unplanned expenses to rejoin your trip when a common carrier delay causes you to miss a cruise or tour departure. Itinerary Change: Reimburses for activities missed due to a supplier s itinerary change. Travel Delay: Coverage when you are delayed. Reimbursement of unused, non-refundable trip costs and added local transportation expenses. Change Fee: Coverage for an airline imposed reissue fee. Reimbursement of Miles or Rewards Points: Covers any penalty cost of putting miles or reward points back in the account they were removed from. YOUR PERSONAL HEALTH & SAFETY Accident & Sickness Medical Expense: Covers treatment costs when accident or illness strikes during the trip. Emergency Medical Evacuation / Repatriation: Coverage to transport you to nearest treatment by U.S. standards and return you home when able to fly. Travel Accident Protection (AD&D): Covers you when you suffer dismemberment or death in a travel accident. YOUR BAGGAGE & PERSONAL BELONGINGS Baggage & Personal Effects: Coverage when bags or personal effects are lost or damaged. Delayed Baggage: Reimbursement in necessary personal effects when your bags are delayed after your arrival at the destination. OPTIONAL COVERAGES* PRIMARY COVERAGE UPGRADE Makes Baggage and Medical Primary. PRE-EXISTING MEDICAL CONDITIONS COVERAGE A Pre-Existing Medical Conditions waiver is available if purchased within stated number of days for your plan. You must insure the full non-refundable trip cost and be physically able to travel at the time of purchase. RENTAL CAR DAMAGE Covers collision damage to a rental car during the selected term of coverage. ACCIDENTAL DEATH & DISMEMBERMENT (AIR FLIGHT ONLY) Coverage for injury or death involving an aircraft, up to the limit purchased. TRAVEL BENEFITS UPGRADE Doubles Trip Delay, Baggage Delay, Baggage & Personal Effects and Missed Connection. FAMILY FRIENDLY Child(ren) 17 and under are provided coverage at no extra charge when traveling with and listed on the same application as an insured adult. 14-DAY FREE LOOK If you are not satisfied for any reason, you may cancel your plan by giving the company or the agent written notice within the first to occur of the following: (a) 14 days from the effective date of your plan; or (b) your scheduled departure date. If you do this, the company will refund your plan cost provided no insured has filed a claim. T-17122
NON-INSURANCE WORLDWIDE EMERGENCY ASSISTANCE No matter how well you plan, travel holds the potential for unexpected events. Many travelers help prepare for the unexpected with non-insurance Assistance Services, which are accessible 24/7 by a toll-free call. The non-insurance travel assistance feature provides a variety of travel related services. Some of the services offered include: Medical evacuation arrangement Coordination of Repatriation of Remains Medical or legal referral Inoculation information Hospital admission guarantee Worldwide Concierge Services Translation service Lost baggage retrieval Passport/visa information Emergency cash advance Bail Bond Prescription drug/eyeglass replacement Restaurant referrals and reservations, ground transportation, event ticketing, tee time reservations, shopping assistance, procurement of hard-to-find items and floral services. AGENCY #: 48954 AGENCY ID: BRAN MEYER AND ASSOCIATES ID Theft Recovery Assistance Cancellation of lost or stolen credit cards, place fraud alert on customer s credit records with three major credit reporting agencies, cash advance and translation services when traveling, provide a guide detailing the steps to restore one s identity. Business Concierge Services Assistance with business services and telephone and web conferencing real-time weather travel delays, emergency travel arrangements. For rates and to purchase coverage, please visit www.alumtravelinsurance.com or call Travel Insured at 1-800-243-3174. PETE S PROMISE TO YOU To take care of you like we take care of our own families! Our simple promise: we build our business to meet your travel protection needs. PETER GEHRIS FOUNDER * Coverages may vary and not all coverage is available in every state. This document contains highlights of the plan. The Plan contains insurance benefits underwritten by the United States Fire Insurance Company. Fairmont Specialty and Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2015. The Plan also contains non-insurance Travel Assistance Services that are provided by an independent organization, OnCall International, and not by United States Fire Insurance Company or Travel Insured International. Review the Plan Document for complete terms, including benefits, conditions, limitations and exclusions that apply. The Plan Document will be provided to you upon purchase of the plan. Coverages may vary and not all coverage is available in all jurisdictions. T-17122
WORLDWIDE TRIP PROTECTOR PLUS TRAVEL RELAXED. TRAVEL SECURE. TRAVEL INSURED. 800.243.3174» WWW.TRAVELINSURED.COM YOUR FINANCIAL SECURITY Trip Cancellation: Provides reimbursement up to your full, prepaid, non-refundable trip cost when forced to cancel. Including: Cancel for Work Reasons, which provides Trip Cancellation coverage for unexpected job changes. Trip Interruption: Can reimburse you up to your prepaid, non-refundable trip cost when you must cut your trip short. Missed Connection: Reimburses unplanned expenses to rejoin your trip when a common carrier delay causes you to miss a cruise or tour departure. Itinerary Change: Reimburses for activities missed due to supplier s itinerary change. Travel Delay: Coverage when you are delayed. Cancel for Any Reason*: Provides Trip Cancellation coverage when benefit is purchased within 21 days of initial trip deposit. Interrupt for Any Reason*: Provides Trip Interruption coverage for any reason. Rental Car Damage: Covers damage to your rental car. Change Fee: Coverage for an airline imposed reissue fee. Reimbursement of Miles or Rewards Points: Covers any penalty cost of putting miles or reward points back in the account they were removed from. YOUR PERSONAL HEALTH & SAFETY Accident & Sickness Medical Expense * : Primary coverage for treatment costs when accident or illness strikes during the trip. Emergency Medical Evacuation / Repatriation: Coverage to transport you to nearest treatment by U.S. standards and return you home when able to fly. Travel Accident Protection (AD&D): Covers you when you suffer dismemberment or death in a travel accident. YOUR BAGGAGE & PERSONAL BELONGINGS Baggage & Personal Effects: Primary coverage when bags or personal effects are lost or damaged. Delayed Baggage: Reimburses for necessary personal effects when your bags are delayed after your arrival at the destination. OPTIONAL COVERAGES* ACCIDENTAL DEATH & DISMEMBERMENT (AIR FLIGHT ONLY) Coverage for injury or death involving an aircraft, up to the limit purchased. TRAVEL BENEFITS UPGRADE Doubles Trip Delay, Baggage Delay, Baggage & Personal Effects and Missed Connection. PRE-EXISTING MEDICAL CONDITIONS COVERAGE A Pre-Existing Medical Conditions waiver is available if purchased within stated number of days for your plan. You must insure the full non-refundable trip cost and be physically able to travel at the time of purchase. 14-DAY FREE LOOK If you are not satisfied for any reason, you may cancel your plan by giving the company or the agent written notice within the first to occur of the following: (a) 14 days from the effective date of your plan; or (b) your scheduled departure date. If you do this, the company will refund your plan cost provided no insured has filed a claim. T-17121
NON-INSURANCE WORLDWIDE EMERGENCY ASSISTANCE No matter how well you plan, travel holds the potential for unexpected events. Many travelers help prepare for the unexpected with non-insurance Assistance Services, which are accessible 24/7 by a toll-free call. The non-insurance travel assistance feature provides a variety of travel related services. Some of the services offered include: Medical evacuation arrangement Coordination of Repatriation of Remains Medical or legal referral Inoculation information Hospital admission guarantee Translation service Lost baggage retrieval Passport/visa information Emergency cash advance Bail Bond Prescription drug/eyeglass replacement AGENCY #: 48954 AGENCY ID: BRAN MEYER AND ASSOCIATES Worldwide Concierge Services Restaurant referrals and reservations, ground transportation, event ticketing, tee time reservations, shopping assistance, procurement of hard-to-find items and floral services. ID Theft Recovery Assistance Cancellation of lost or stolen credit cards, place fraud alert on customer s credit records with three major credit reporting agencies, cash advance and translation services when traveling, provide a guide detailing the steps to restore one s identity. Business Concierge Services Assistance with business services and telephone and web conferencing, real-time weather travel delays, emergency travel arrangements. For rates and to purchase coverage, please visit www.alumtravelinsurance.com or call Travel Insured at 1-800-243-3174. PETE S PROMISE TO YOU To take care of you like we take care of our own families! Our simple promise: we build our business to meet your travel protection needs. PETER GEHRIS FOUNDER * Coverages may vary and not all coverage is available in all states. This document contains highlights of the plan. The Plan contains insurance benefits underwritten by the United States Fire Insurance Company. Fairmont Specialty and Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2015. The Plan also contains non insurance Travel Assistance Services that are provided by an independent organization, OnCall International, and not by United States Fire Insurance Company or Travel Insured International. Review the Plan Document for complete terms, including benefits, conditions, limitations and exclusions that apply. The Plan Document will be provided to you upon purchase of the plan. Coverages may vary and not all coverage is available in all jurisdictions. T-17121