TRAVEL INSURANCE CERTIFICATE
Please read this Insurance Certificate/brochure carefully, as it is your evidence of coverage under the policy (once you have paid the appropriate premium).
To Report A Claim Call:
For Emergency Assistance During Your Trip, Call 1-800-555-9095 (within USA & Canada) or 1-603-894-4710 (outside USA & Canada)
IMPORTANT ELIGIBILITY NOTICE
Global Alert! is only available to: 1) citizens or residents of the USA or Canada. Eligibility for purchase will be confirmed at time of claim. If it is determined that a person or trip is not eligible for coverage as detailed above, any claim for benefits will be denied and premium will be refunded.
Your Satisfaction Is Important To Us
If you are not satisfied for any reason, you may return your certificate/brochure (and confirmation receipt) to Global Alert! Administrators within 10 days after receipt. Your premium will be refunded, provided you have not already departed on your Trip or filed a claim. When so returned, the certificate/brochure is void from the beginning.
Duplication of Coverage You may only purchase one certificate from us for each Trip. If you do purchase more than one certificate for a specific Trip, the Maximum Limit of Coverage payable will be as specified in the certificate with the highest level of benefits. We will refund premium received from you under any other certificate.
Entire Contract-Changes Any statement you make is a representation and not a warranty. No statement will be used by us to void or reduce benefits unless that statement is a part of any written application or enrollment form. No agent or other person may change the policy or waive any of its terms.
Maximum Limit of Coverage The total limit of our liability for any one covered occurrence, in which two or more persons submit a claim, is subject to the individual benefit amount and the company's Maximum Limit of Liability. In the event of multiple claims for one occurrence, the available funds will be distributed in order of notice of claim by each insured subject to the above limitations.
Maximum Limit of Liability All limits are applied per Trip. We will pay no more than $1,000,000 per occurrence to or on account of any person insured under the policy. Our Maximum Limit of Liability for all claims resulting from the same occurrence will be $10,000,000 collectively under the TAHC series of policies.
Notice of Claim We must be given written notice of claim within 180 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. Notice may be given to us or to our authorized agent. Notice should include the claimant's name and enough information to identify him or her.
Our Right To Recover From Others We have the right to recover any payments we have made from anyone who may be responsible for the loss. You and anyone else we insure must sign any papers and do whatever is necessary to transfer this right to us. You and anyone else we insure will do nothing after the loss to affect our right.
The Exclusion for Pre-Existing Conditions will be waived if:
See the Pre-Existing Condition definition which details the Pre-Existing Conditions that are excluded.
Coverage for Financial Insolvency is included under the Pre-Departure Trip Cancellation and Post-Departure Trip Interruption Benefits, if:
Your premium payment is received within 15 days of the date your initial Trip deposit is received.See the definition of Financial Insolvency which details the coverage provided.
Coverage for a Terrorist Act is included under the Pre-Departure Trip Cancellation and Post-Departure Trip Interruption Benefits, if:
Your premium payment is received within 15 days of the date your initial Trip deposit is received.
See the definition of Other Covered Events which details the coverage provided.
|Preferred Plus Protection Plan Benefits||MAXIMUM BENEFIT|
|Pre-Departure Trip Cancellation||Up To Trip Cost*|
|Post-Departure Trip Interruption||Up To 150% Of Trip Cost*|
|Travel Delay (8 Hours or More)||$200 Per Day $1,000 Maximum|
|Medical Expense/Emergency Assistance|| |
|Accident & Sickness Medical Expenses||$100,000|
|Emergency Medical Evacuation & Repatriation of Remains||$1,000,000||On Call 24-Hour Assistance Service||Included|
|Baggage and Personal Effects||$1,500|
|Baggage Delay (12 Hours or More)||$200 Per Day|
|Accidental Death and Dismemberment
Air Flight Benefits
24 Hour Other Than Air Flight
|Rental Car Damage Benefit (not available in Oregon & Texas)||$25,000|
|Cancel For Any Reason Benefit||75% of Non-Refundable Trip Cost*|
* Important Purchase Reminder
If you insure an amount less than your total prepaid Trip costs that are subject to cancellation penalties or restrictions:
Who Is Eligible For Coverage
A person who has arranged to take a Trip, completes the enrollment form and pays the required premium, and is a citizen or resident of the United States of America or Canada.
When Coverage Begins
The Pre-Departure Trip Cancellation Benefit is effective on the earlier of: 1) at 12:01 A.M. Standard Time on the day after the date the premium is received by Global Alert! Administrators; or 2) if mailed, at 12:01 A.M. Standard Time on the day after the postmark date. Post-Departure Trip Interruption coverage will take effect on the Scheduled Departure Date.
All coverages (except Pre-Departure Trip Cancellation and Post-Departure Trip Interruption) will take effect on the later of: 1)the date the premium has been received; 2)the date and time you start your Trip; or 3) 12:01 A.M. Standard Time on the Scheduled Departure Date of your Trip.
When Coverage Ends
Your coverage automatically ends on the earlier of: 1) the date the Trip is completed; 2) the Scheduled Return Date; 3) on your arrival at the return destination on a round-trip, or the destination on a one-way trip; 4) cancellation of the Trip covered by the Policy. Termination of the policy will not affect a claim for loss that occurs after premium has been paid. All coverages under the policy will be extended if your entire Trip is covered by the policy and your return is delayed by unavoidable circumstances beyond your control. If coverage is extended for the above reasons, coverage will end on the earlier of the date you reach your originally scheduled return destination or seven (7) days after the Scheduled Return Date.
Please see the Definitions for an explanation of Pre-Existing Conditions which are excluded under the Pre- Departure Trip Cancellation, Post-Departure Trip Interruption, Travel Delay and Medical Expense/ Emergency Assistance Benefits. (Unless this exclusion is waived - see details about the Pre-Existing Conditions Exclusion Waiver).
We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule, if, for a covered reason that occurs before your departure on your Trip and while coverage is in effect, you are prevented from taking your Trip.
Covered reasons for Pre-Departure Trip Cancellation are: 1) your, an Immediate Family Member's, Traveling Companion's or Business Partner's Sickness; Injury; Mental, Nervous, or Psychological Disorders requiring inpatient hospitalization of three (3) days or more; or death; 2) death or hospitalization of your Host, as defined; or 3) Other Covered Events, as defined. The Sickness or Injury must: a) commence while your coverage is in effect under the policy; b) require the examination and treatment by a Physician at the time the Trip is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Trip.
Pre-Departure Trip Cancellation Benefits: If you cancel your Trip for a covered reason, we will reimburse you, up to the amount in the Schedule for the amount of prepaid, forfeited, non-refundable Payments or Deposits that you paid for your Trip, including up to $150 for the cost of airline-imposed fees to rebank frequent flyer miles for air flights to join your Trip.
We will pay your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion's Trip is canceled and your Trip is not canceled. We will reimburse you up to $150 for the cost of an airline-imposed change or reissue fee if your Trip is canceled by a travel supplier of land or water travel arrangements.
We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if for a covered reason: 1) your arrival on your Trip is delayed beyond the Scheduled Departure Date or 2) you are unable to continue on your Trip after you have departed on your Trip.
Covered reasons for Post-Departure Trip Interruption are:
1) your, an Immediate Family Member's, Traveling Companion's or Business Partner's Sickness; Injury; or death; or for Other Covered Events, as defined. For item 1) above, the Sickness or Injury must: a) commence while your coverage is in effect under the policy; b) for item 2) above, commence while you are on your Trip and your coverage is in effect under the policy; and c) for both items 1) and 2) above, require the examination and treatment by a Physician at the time the Trip is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Trip or to prevent you from continuing your Trip.
Post-Departure Trip Interruption Benefits: If you interrupt your Trip for a covered reason, we will reimburse you, less any refund paid or payable, for prepaid, unused land or water travel arrangements, plus one of the following:
However, the benefit payable under (1) and (2) above will not exceed the cost of a one-way economy air fare (or first class, if the original tickets were first class) by the most direct route less any refunds paid or payable for your unused original tickets.
If your Trip is delayed for 8 hours or more, we will reimburse you, up to the amount shown in the Schedule, for reasonable additional expenses incurred by you for hotel accommodations, meals, telephone calls and local transportation while you are delayed. We will not pay benefits for expenses incurred after travel becomes possible.
Travel Delay must be caused by or result from: 1) Common Carrier delay; or 2) loss or theft of your passport(s), travel documents or money; or 3) quarantine (except as the result of an epidemic or pandemic); or4) hijacking; or 5) natural disaster or closure of public roadways by government authorities due to adverse weather; or 6) Injury or Sickness of you, an Immediate Family Member traveling with you, or a Traveling Companion; or 7) death of you, an Immediate Family Member traveling with you, or a Traveling Companion.
We will pay this benefit, up to the amount on the Schedule for the following Covered Expenses incurred by you, subject to the following:
Covered Expenses for Accident and Sickness Medical Expense means:
Covered Expenses for Medical Evacuation and Return of Remains means:
Hospital of Choice
Subject to the terms and conditions of this item #2, you may choose Medical Evacuation to a Hospital in a city within the USA or Canada other than your Home city, but the maximum amount payable is limited to the cost of a Medical Evacuation to your Home city.
We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Baggage, passports or visas during your Trip. We will also pay for loss due to unauthorized use of your credit cards, if you have complied with all of the credit card conditions imposed by the credit card companies.
Items Subject to Special Limitations: We will not pay more than $500 on all losses to jewelry; watches; precious or semi-precious gems; decorative or personal articles consisting in whole or in part of silver, gold, or platinum; cameras, camera equipment; computer, digital or electronic equipment and media; and articles consisting in whole or in part of fur. Items not included above are subject to a $250 per item limit.
Valuation and Payment of Loss:
Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For claimed items without original receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss. We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, we will: 1) repair or replace any part to restore the pair or set to its value before the loss; or 2) pay the difference between the value of the property before and after the loss.
Items Not Covered: We will not pay for damage to or loss of: animals; property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof; boats, motors, motorcycles, motor vehicles, aircraft, and other conveyances or equipment, or parts for such conveyances; artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses; documents or tickets, except for administrative fees required to reissue tickets; money, stamps, stocks and bonds, postal or money orders, securities, accounts, bills, deeds, food stamps or credit cards, except as noted above; property shipped as freight or shipped prior to the Scheduled Departure Date; contraband.
Losses Not Covered: We will not pay for loss arising from: defective materials or craftsmanship; or normal wear and tear, gradual deterioration, inherent vice; or rodents, animals, insects or vermin; or theft or pilferage from an unattended vehicle; or mysterious disappearance; or electrical current, including electric arcing that damages or destroys electrical devices or appliances.
Continuation of Coverage: If the covered Baggage, passports or visas are in the custody of a Common Carrier, and delivery is delayed, this coverage will continue until the property is delivered to you. This continuation of coverage does not include loss caused by or resulting from the delay.
We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 12 hours or more during your Trip. We will also reimburse you up to $25 for expenses incurred during your Trip to expedite the return of your delayed Baggage. This coverage terminates upon your arrival at the return destination of your Trip.
We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Trip and covered under the policy, and you suffer one of the losses listed below within 365 days of the Accident.
The Principal Sum is the benefit amount shown on the Schedule. We will pay 100% of the Principal Sum for loss of: life; both hands or feet, or sight of both eyes; one hand and one foot; or one hand or one foot and sight of one eye. We will pay 50% of the Principal Sum for loss of: one hand or one foot, or sight of one eye.
If you suffer more than one loss from one Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.
Air Flight Benefits: The benefits provided by the policy for Air Flight apply only if you sustain a covered loss in an Accident which occurs while a passenger in or on, boarding or alighting from an aircraft of a regularly scheduled airline or an air charter company that is licensed to carry passengers for hire.
If you rent a car while on your Trip and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control while in your possession, or the car is stolen while in your possession and not recovered, we will pay you 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, up to the amount shown on the Schedule.
Coverage is provided to you, provided you are a licensed driver, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.
Coverage is not provided for loss due to:
If you cancel your Trip for any reason not otherwise covered by this policy, we will reimburse you for 75% of the prepaid, forfeited, non-refundable Payments or Deposits you paid for your Trip provided:
In this Policy, "you", "your" and "yours" refer to the Insured. "We", "us" and "our" refer to the company providing this insurance. In addition certain words and phrases are defined as follows:
"Accident" means a sudden, unexpected, unintended and external event, which causes Injury.
"Actual Cash Value" means current replacement cost for items of like kind and quality less depreciation.
"Air Carrier" means any air conveyance operated under a license for the transportation of passengers for hire.
"Baggage" means luggage, personal possessions and travel documents taken by you on the Trip.
"Business Partner" means an individual who is involved, as a partner, with you in a legal general partnership and shares in the management of the business.
"Care Giver" means an individual employed for the purpose of providing assistance with activities of daily living to you or to your Immediate Family Member who has a physical or mental impairment. The Care Giver must be employed by you or your Immediate Family Member. A Care Giver is not a babysitter; childcare service, facility or provider; or persons employed by any service, provider or facility to supply assisted living or skilled nursing personnel.
"Common Carrier" means any land, water or air conveyance operated under a license for the transportation of passengers for hire, not including taxicabs or rented, leased or privately owned motor vehicles.
"Domestic Partner" means a person who is at least eighteen years of age and you can show: 1) evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations; 2) evidence of cohabitation for at least the previous 6 months; and 3) an affidavit of domestic partnership if recognized by the jurisdiction within which they reside.
"Elective Treatment and Procedures" means any medical treatment or surgical procedure that is not medically necessary including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by us to be research or experimental or that is not recognized as a generally accepted medical practice.
"Exotic Vehicle" includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Citroen, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, MG, Maserati, Mercedes Benz, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls Royce, Rover, Stutz, Sterling, Triumph, TVR or any vehicle with an MSRP of $35,000 or more.
"Financial Insolvency" means the total cessation of operations due to insolvency, with or without the filing of a bankruptcy petition by a tour operator, cruise line, or airline provided the Financial Insolvency occurs more than 15 days following your effective date for the Trip Cancellation Benefits. There is no coverage for the Financial Insolvency of any person, organization, agency or firm from whom you purchased travel arrangements supplied by others.
"Home" means your primary or secondary residence.
"Hospital" means an institution, which meets all of the following requirements: 1) it must be operated according to law; 2) it must give 24 hour medical care, diagnosis and treatment to the sick or injured on an inpatient basis; 3) it must provide diagnostic and surgical facilities supervised by Physicians; 4) registered nurses must be on 24 hour call or duty; and 5) the care must be given either on the hospital's premises or in facilities available to the hospital on a pre-arranged basis. A Hospital is not: a rest, convalescent, extended care, rehabilitation or other nursing facility; a facility which primarily treats mental illness, alcoholism, or drug addiction (or any ward, wing or other section of the hospital used for such purposes); or a facility which provides hospice care (or wing, ward or other section of a hospital used for such purposes).
"Host" means a person with whom you are sharing prearranged overnight accommodations at the host's principal place of residence.
"Immediate Family Member" includes your or the Traveling Companion's spouse, child, spouse's child, son-daughter-in-law, parent(s), sibling(s), grandparent(s), grandchild, step brother-sister, step-parent(s), parent(s)-in-law, brother-sister-in-law, aunt, uncle, niece, nephew, guardian, Care Giver, Domestic Partner, foster-child, or ward.
"Injury" means bodily harm caused by an accident which: 1) occurs while your coverage is in effect under the policy; and 2) requires examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.
"Insured" means an Eligible Person who arranges a Trip, completes any required enrollment form, and pays any required premium.
"Insurer" Stonebridge Casualty Insurance Company, Columbus, OH.
"Medical Evacuation" means Physician-ordered, medically appropriate transportation from the place where you suffer a Sickness or Injury to the nearest medical facility where medically suitable medical care is available or Home as approved by the Program Medical Advisors. An unscheduled return by the same or like mode of transportation as originally scheduled is not a Medical Evacuation.
"Mental, Nervous, or Psychological Disorder" means a mental or nervous health condition including, but not limited to: anxiety, depression, neurosis, phobia, psychosis; or any physical manifestation related there to.
"Other Covered Events" means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy:
"Other Valid and Collectible Group Insurance" means any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state or local government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the usual and customary value of each service rendered will be considered a Covered Expense.
"Payments or Deposits" means the cash, check, or credit card amounts actually paid for your Trip. Payments made in the form of a certificate, voucher or discount are not Payments
"Physician" means a person licensed as a medical doctor by The jurisdiction in which he/she is resident to practice the healing arts. He/she must be practicing within the scope of his/her license for the service or treatment given and may not be you, a Traveling Companion, or an Immediate Family Member of yours.
"Policy" means the contract issued to the Policyholder providing the benefits specified herein.
"Policyholder" means the legal entity in whose name this Policy is issued, as shown on the Declarations.
"Pre-Existing Condition" means an illness, disease, or other condition during the 60 day period immediately prior to your effective date for which you or your Traveling Companion, Business Partner or Immediate Family Member scheduled or booked to travel with you:
"Program Medical Advisors" means One Call Travel Services Network, Inc.
"Scheduled Departure Date" means the date on which you are originally scheduled to leave on your Trip.
"Scheduled Return Date" means the date on which you are originally scheduled to return to the point where the Trip started or to a different final destination.
"Scheduled Trip Departure City" means the city where the scheduled trip on which you are to participate originates.
"Sickness" means an illness or disease of the body which:1) requires examination and treatment by a Physician, and 2) commences while the insurance is in effect. An illness or disease of the body which first manifests itself and then worsens or becomes acute prior to the effective date of this insurance is not a Sickness as defined herein and is not covered by the policy.
"Terrorist Act" means an act of violence, other than civil disorder or riot, (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.
"Traveling Companion" means up to six persons whose names appear with yours on the same Trip arrangement and who, during the Trip, will accompany you. A group or tour organizer, sponsor or leader is not a Traveling Companion as defined, unless sharing accommodations in the same room, cabin, condominium unit, apartment unit, or other lodging with you.
"Trip" means a scheduled trip for which coverage is elected and the premium paid, and all travel arrangements are arranged prior to the Scheduled Departure Date of the Trip.
"Trip Cost" means the cash, check, or credit card amounts actually paid for your Trip. Payments made in the form of a certificate, voucher, discount are not Trip Cost as defined herein.
"Usual and Customary Charge" means those charges for necessary treatment and services that are reasonable for the treatment of cases of comparable severity and nature. This will be derived from the mean charge based on the experience in a related area of the service delivered and the MDR (Medical Data Research) schedule of fees valued at the 90th percentile.
The following exclusion applies to the Accidental Death and Dismemberment coverage:
The Exclusion for Pre-Existing Conditions will be waived if:
The following exclusion applies to all coverages:
Important Note: Exclusion 3, Item w applies to you, an Immediate Family Member, Traveling Companion, or Business Partner.
Global Alert! is Underwritten By:
Stonebridge Casualty Insurance Company, Columbus, Ohio; (all states except as otherwise noted) under Policy/Certificate Form series TAHC5000. In CA, CT, HI, NE, NH, PA, TN and TX Policy/ Certificate Form series TAHC51 00 and TAHC5200. In IL, IN, KS, LA, OH, OR, VT, WA and WY Policy Form #'s TAHC5100IPS and TAHC5200IPS.
Notice: If you are a resident of one of the following states (IL, IN,KS, LA, OH, OR, VT, WA, WY) your coverage is provided on an individual policy form. Your policy number is your complete Name plus 875P. Additional information about your policy is available at www.tripmate.com. You can also request this information by calling Trip Mate at 1-877-452-5378.
In Canada: Life Investors Insurance Company of America (except Baggage & Personal Effects and Baggage Delay) & Legacy General Insurance Company, Markham, Ontario (Baggage & Personal Effects and Baggage Delay).
You must provide with your claim submission:
For Trip Cancellation and Interruption Claims:
You must return all refundable travel documents or tickets to the issuing party and/or travel supplier.
For Medical Expense Claims:
For Travel Delay Claims:
For Baggage Delay Claims:
For Baggage Claims:
For Rental Car Damage Claims:
All claims should be presented to the Program Administrator:
Trip Mate (In CA, dba Trip Mate Insurance Agency)
9225 Ward Parkway, Suite 200
Kansas City, Missouri 64114
1-877-452-5378 (Toll Free)
When calling, refer to Plan Number: 875P
Claims may also be reported online and claim forms down-loaded at www.tripmate.com.
For California Residents: This policy contains disability insurance benefits or health insurance benefits, or both, that apply only during a covered Trip. You may have coverage from other sources that already provides you with these benefits. You should review your existing policies. If you have any questions about your current coverage, call your insurer or health plan.
Notice to Florida Residents: Your homeowners policy, if any, may provide coverage for loss of personal effects. You are not required to purchase baggage insurance in connection with purchase of tickets or with the lease or rental of a motor vehicle.
While we strive to provide help and advice for problems encountered by travelers wherever or whenever they occur, situations may arise beyond our control when immediate resolution is not possible. We will make every reasonable effort to refer you to appropriate medical and legal providers, but neither the Insurer nor One Call Travel Services Network may be held responsible for the availability, quality or results of any medical treatment or your failure to obtain medical treatment. The 24 Hour Assistance Services are provided by: One Call Travel Services Network, Inc.
Our multi-lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help you locate local physicians, dentists, or medical facilities.
Medical Consultation and Monitoring
If you are hospitalized, we will contact you and your treating physician to monitor your condition to assure you are receiving appropriate care and assess the need for further assistance. We will also contact your personal physician and family at home when necessary or requested to keep them informed of your situation.
When medically necessary, we will arrange and pay for appropriate transportation, including an escort, if required, to a suitable hospital, treatment facility or home. Payment for Medical Evacuation is available only for covered claims and up to the amount of coverage provided in the policy. All medical transportation services must be authorized and arranged by One Call Travel Services Network. In the event of an unauthorized Medical Evacuation, reimbursement may be limited or coverage may be invalidated.
Emergency Medical Payments
We will assist you in the advancement of funds or guarantee payments (up the policy limits) to a hospital or other medical provider, if required, to secure your admission, treatment or discharge.
We will assist you with replacing medications that are lost, stolen or spoiled during your Trip, either locally or by special courier.
Dependent Transportation and Family Visits
When a minor (age 18 or younger) is left unattended on a Trip due to hospitalization or death of the accompanying adult, we will arrange for his or her return home, including escort expenses. If you are traveling alone and hospitalized 7 days or more, we will arrange transportation for a person you choose to visit you.
Repatriation of Remains
In the event of death while on a Trip, we will arrange for the preparation and transportation required to return your remains to your Home.
24 Hour Legal Assistance
If, while on your Trip, you encounter legal problems we will help you find a local legal advisor. If you are required to post bail or provide immediate payment of legal fees, we will assist you in arranging a funds transfer from family or friends.
We provide 24-Hour assistance for your travel needs before, during and after your Trip. You can travel with peace of mind knowing that our professional help is just one phone call away.
24-Hour Travel Assistance Services
We will transmit emergency messages to family, friends or business associates. We will advise you if we have difficulty delivering your message and let you know that the message has been received. We will also relay non-emergency e-mail or phone messages on your behalf at any time during your Trip.
Language Interpretation Services
We provide interpretation services in major languages and will refer you to appropriate local services, if needed.
Emergency Cash Transfer
We will help arrange an emergency cash transfer (wire transfer, travelers checks, etc.) of your funds from home or from friends or family in medical or travel emergency situations where additional funds are required.
Pre-Trip Travel Services
We provide 24-Hour information, help and advice for your planned Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.
Registered nurses are available 24-Hours a day before and during your trip to provide general health information, clinical assessment, and health counseling to give you assistance in making appropriate healthcare decisions.
Travel Document and Ticket Replacement
When important travel documents (such as passports and visas) are lost or stolen, we will help you to secure replacements. We will also help you when airline or other travel tickets are lost or stolen. We will assist you with reporting your loss, reissuing tickets and obtaining the money required for this purpose (you are responsible for providing the funds).
Contacting One Call's 24-Hour Service Center
When outside the USA or Canada, call us collect through a local operator (you will first have to enter the International Access Code of the country you are calling from). Within the USA or Canada, use the toll free number.
Within U.S.A. & Canada 1-800-555-9095
Outside U.S.A. & Canada 1-603-894-4710
YOUR PLAN NUMBER: 875P
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