HTH Worldwide - Trip Protector

TRIPPROTECTOR

CERTIFICATE OF INSURANCE

This plan is administered by HTH Administration Services.

ELIGIBILITY AND EFFECTIVE DATE OF INSURANCE

Who is Eligible For Coverage

A person who takes a Trip, completes the enrollment form, who pays the required premium, and is a resident of the United States or Canada.

When Coverage Begins

All coverages (except Pre-Departure Trip Cancellation and Post- Departure Trip Interruption) will take effect on the later of:

The date the premium has been received by HTH Administration Services;
The date and time you start your Trip; or
12:01 A.M. Standard Time on the Scheduled Departure Date of your Trip.

Pre-Departure Trip Cancellation Coverage begins at 12:01A.M. Standard Time of the effective date of the certificate if the required premium payment and any necessary enrollment forms are received. Post-Departure Trip Interruption coverage will take effect on the Scheduled Departure Date of your Trip if the required premium payment is received.

When Coverage Ends

All coverage ends on the earlier of:

On the date this Certificate ends;
The date the Trip is completed;
The Scheduled Return Date;
Your arrival at the return destination on a round trip, or the destination on a one-way trip;
Cancellation of the Trip covered by this certificate.

SUMMARY OF COVERAGES

Trip Cancellation / Interruption

We will pay this benefit up to the amount on the Schedule of Coverages if a Trip is canceled, interrupted, or delayed due to:

Sickness, Injury, or Covered Death of you, a Family Member, or Traveling Companion; or
Other Covered Events as defined in this Certificate. Injury or Sickness must: 1. For Pre-Departure Trip Cancellation, commence while this Certificate is in force for you, or for Post-Departure Trip Interruption or Delay, commence while on your Trip; 2. Require the care and attendance of a Physician at the time of occurrence; and 3. In the written opinion of the treating Physician, be so disabling as to cause a Trip to be canceled, interrupted or delayed.

Please refer to the Certificate Definitions for an explanation of Pre-Existing Conditions which are excluded under the Trip Cancellation / Interruption Coverage. The exclusion for Pre-Existing Conditions will be waived if:

Your premium for this insurance plan and your enrollment form is received within 14 days of your initial Trip deposit date;
You insure 100% of all prepaid Trip costs that are subject to cancellation penalties or restrictions. The cost of any subsequent arrangements added to your trip (or any other arrangements not made through your travel agent) must be insured within 14 days of payment for those arrangements;
The Trip cost per person is no more than $10,000 and the total cost of the Trip is no more than $40,000. This waiver is not available for policies (for any benefit amounts) if the Trip cost per person is greater than $10,000 and the total cost of the Trip is greater than $40,000;
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 your premium.

BENEFITS: Pre-Departure Cancellation
We will reimburse you for the amount of forfeited, nonrefundable payments or deposits for your Trip if your Trip is canceled, or we will pay additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companions Trip is canceled and your Trip is not canceled.

BENEFITS: Post-Departure Interruption
We will reimburse you, less any refund paid or payable, for unused land or water travel arrangements, plus one of the following:

The additional transportation expenses incurred by you if your Trip is interrupted, either:
1. To the return destination; or
2. From the place that you left the Trip to the place that you may rejoin the Trip;
The additional transportation expenses incurred by you to reach the original trip destination if you are delayed and leave after the Scheduled Departure Date;
However, the benefit payable under 1. and 2. above will not exceed the cost of economy airfare (or first class, if your original tickets were first class) by the most direct route less any refunds paid or payable for your unused original tickets.
Your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companions Trip is interrupted, and your Trip is continued.

Trip Delay

We will pay for reasonable accommodation and traveling expenses until travel becomes possible up to $150 per day to a maximum of $1,200 if your Trip is delayed for more than 12 hours.
Trip Delay must be caused by: Common Carrier delay; or lost or stolen passports, travel documents, or money; or quarantine; or natural disaster; or Injury or Sickness of you, a Family Member traveling with you, or a Traveling Companion; or Covered Death of a Family Member traveling with you or a Traveling Companion; or a documented traffic accident while you are en route to departure; or unannounced strike.

Travel Delay Policy Maximum Limit $1,200

Medical Expense / Emergency Assistance

We will pay this benefit, up to the amount on the Schedule of Coverages, for the following Covered Expenses incurred by you, subject to the following:

Covered Expenses will only be payable at the Usual and Customary level of payment;
Benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Trip;
Benefits payable as a result of incurred Covered Expenses will only be paid after benefits have been paid under any Other Valid and Collectible Group Insurance in force for you. We will pay that portion of Covered Expenses which exceed the amount of benefits payable for such expenses under your Other Valid and Collectible Group Insurance.

Please refer to the Certificate Definitions for an explanation of Pre-Existing Conditions which are excluded under the Medical Expense / Emergency Assistance Coverage.

Medical/Dental Policy Maximum Limit $50,000
Emergency Medical Evacuation Policy Maximum Limit $250,000

Covered Expenses:

Expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services and supplies, incurred by you within one year from the date of your Sickness or Injury;
Expenses for emergency dental treatment incurred by you during a Trip;
Expenses incurred for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the prior approval of the Program Medical Advisors;
Expenses incurred for medical evacuation, including medically appropriate transportation and medical care en route to a Hospital or to your place of residence in the USA or Canada, when deemed medically necessary by the attending Physician, subject to the prior approval of the Program Medical Advisors;
Expenses for transportation, not to exceed the cost of one round-trip economy class airfare, to the place of hospitalization for one person chosen by you, provided you are traveling alone and are hospitalized for more than 7 days;
Expenses for transportation, not to exceed the cost of one-way economy class airfare to your place of residence in the USA or Canada, including escort expenses, when an Insured who is 18 years of age or younger is left unattended due to the death or hospitalization of an accompanying adult(s), subject to the prior approval of the Program Medical Advisors;
Expenses for one-way economy class airfare (or first class, if your original tickets were first class) to your place of residence in the USA or Canada, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in this Certificate;
Expenses for preparation and air transportation of your remains to your place of residence in the USA or Canada, or up to an equivalent amount for a local burial in the country where death occurred, if you die while outside the USA or Canada.

Accidental Death And Dismemberment Benefits

No Coverage

Baggage / Travel Documents

We will pay this benefit, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount on the Schedule of Coverages.

We will pay all direct loss, theft, damage or destruction due to an accident to your Baggage, passports, and visas during your Trip. We will also pay for loss due to unauthorized use of your credit cards, if you have complied with all credit card conditions imposed by the credit card companies.

Payment of Loss
We will pay the cost of repair or replacement of your damaged Baggage, less depreciation; or at our option we may repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss. For items without receipts, payment of loss will be calculated based upon 75% of the Actual Cash Value at the time of loss.

We may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a loss to a pair or set of items, we will:

Repair or replace any part to restore the pair or set to its value before the loss; or
Pay the difference between the value of the property before and after the loss.

In case of loss, theft or damage to personal belongings, you should immediately report the situation to the hotel manager, tour guide or representative, transportation official or local police station and obtain their written report of his loss.

Continuation of Coverage: If the covered Baggage, passports, and visas are in the charge of a Common Carrier, and delivery is delayed, this coverage will continue until such property is delivered to you. This coverage does not include loss caused by the delay.

Property 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 or dentures, 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, 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 mysterious disappearance; or electrical current, including electric arcing that damages or destroys electrical devices or appliances.

Baggage Policy Maximum Limit $2,000

Baggage Delay

We will pay up to $250 for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for more than 24 hours during the Trip.

CERTIFICATE DEFINITIONS

"Actual Cash Value" means purchase price less depreciation.

"Baggage" means luggage, personal possessions, and travel documents taken by you on the Trip.

"Common Carrier" means any land, water, or air conveyance operated under a license for the transportation of passengers for hire, not including taxi cabs, or rented, leased, or privately owned motor vehicles.

"Covered Death" means your death or the death of a Family Member, or Traveling Companion which is the direct result of a Sickness or Injury as defined in this certificate.

"Elective Treatment" 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.

"Family Member" means your or your Traveling Companions spouse, child, spouses child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-brother, step-sister, step-parents, parentsin- law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, guardian, or ward.

"Financial Insolvency" means total cessation of operations due to bankruptcy or financial default of a tour operator, cruise line or airline, other than the person, organization or firm from whom you directly purchased or paid for your Trip, provided the Financial Insolvency occurs more than seven (7) days following your effective date for the Trip Cancellation Benefits.

"Hospital" means an institution which meets all of the following requirements: it must be operated according to law; it must give 24-hour medical care, diagnosis, and treatment to the sick or injured on an inpatient basis for which a charge is made; it must provide diagnostic and surgical facilities supervised by Physicians; registered nurses must be on 24-hour call or duty; the care must be given either on the hospitals 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 other section of a hospital used for such purposes).

"Injury" means bodily injury caused by an accident which 1. Occurs while your coverage is in force under this certificate 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 a person who takes a Trip, completes any required enrollment form, and pays any required premium. The words "you", "your" or "yours" mean the Insured.

"Other Covered Events" means only the following unforeseeable events or their consequences which occur while coverage is in force under this certificate:

Air Carrier delays resulting from bad weather, mechanical breakdown or organized labor strikes that affect public transportation;
Arrangements canceled by an airline, cruise line, or tour operator, resulting from inclement weather, mechanical breakdown, or organized labor strikes that affect public transportation; Items #1 and #2 above, are subject to the following conditions:
1. The scheduled carrier connecting times must be 90 minutes or longer; and
2. The scheduled time between arrival at the scheduled tour or cruise departure city and the scheduled tour or cruise departure must be 4 hours or longer.
Arrangements canceled by an airline, cruise line, or tour operator, resulting from Financial Insolvency as defined (see above definition of Financial Insolvency);
Coverage for Financial Insolvency is included if:
Your premium for this insurance plan and your enrollment form is received within 14 days of your initial Trip deposit date.
See the definition of Financial Insolvency which details the coverage provided.
A change in plans by you, a Family Member traveling with you, or Traveling Companion, resulting from one of the following events:
1. Being directly involved in a documented traffic accident while en route to departure;
2. Being hijacked, quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, a Family Member traveling with you or a Traveling Companion is not 1. A party to the legal action, or 2. Appearing as a law enforcement officer;
3. Having a residence made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
4. Being called into active military service to provide aid or relief in the event of a natural disaster;
5. A documented theft of passports or visas;
6. A Terrorist Act (or acts) which occurs in Your departure city or in a city which is a scheduled destination for Your Trip, provided: the Terrorist Act (or acts) occurs within 30 days of the Scheduled Departure Date for Your Trip.

"Other Valid and Collectible Group Insurance" means any group certificate 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 certificate 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 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 will be considered a Covered Expense.

"Physician" means a person licensed as a medical doctor by the jurisdiction in which he is resident to practice the healing arts. He must be practicing within the scope of his license for the service or treatment given and may not be you, a Traveling Companion or a Family Member.

"Pre-Existing Condition" means an illness, disease, or other condition during the 180 day period immediately prior to your effective date for which you or your Traveling Companion or Family Member: 1. Received, or received a recommendation for, a diagnostic 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 180 day period before coverage is effective under this Certificate.

The exclusion for Pre-Existing Conditions will be waived if:

Your premium for this insurance plan and your enrollment form is received within 14 days of your initial Trip deposit date;
You insure 100% of all prepaid Trip costs that are subject to cancellation penalties or restrictions. The cost of any subsequent arrangements added to your trip (or any other arrangements not made through your travel agent) must be insured within 14 days of payment for those arrangements;
The Trip cost per person is no more than $10,000 and the total cost of the Trip is no more than $40,000. This waiver is not available for policies (for any benefit amounts) if the Trip cost per person is greater than $10,000 and the total cost of the Trip is greater than $40,000;
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 your premium.

"Program Medical Advisors" means individuals appointed by CSA Insurance Services.

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

"Scheduled Return Date" means that date on which you are originally scheduled to return to the point where the Trip started or to a different final destination.

"Sickness" means an illness or disease of the body which:

Requires examination and treatment by a Physician, and
Commences while this insurance is in force. 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 this certificate.

"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 a person whose name appears with yours on the same Trip arrangement and who, during the Trip, will share accommodations with you in the same room, cabin, condominium unit, apartment unit or other lodging.

"Trip" means a scheduled trip for which coverage is elected and premium paid, and all travel arrangements are arranged prior to the Scheduled Departure Date of the Trip.

"Usual and Customary" means the usual charge made by a provider for necessary medical services, treatment or supplies. It may not exceed the general level of charges for similar necessary services, treatment or supplies made by other providers in the area where the service or treatment is given or the supply bought.

CERTIFICATE EXCLUSIONS

The following exclusion applies to the Medical Expense/Emergency Assistance, Trip Cancellation/Interruption, and Trip Delay coverages:

We will not pay for loss or expense incurred as the result of a Pre-Existing Condition, as defined, including death that results therefrom. This exclusion does not apply to benefits for Covered Expenses item #3 (emergency medical evacuation) or item #8 (return of remains) of the Medical Expense Benefits coverage.

The following exclusions apply to all Coverages:

This certificate does not cover loss caused by, or resulting from:

Suicide, attempted suicide, or intentionally selfinflicted injury of you, a Traveling Companion, or Family Member booked to travel with you, while sane or insane (sane in CO & MO);
Mental, nervous or psychological disorders;
Being under the influence of drugs or intoxicants unless prescribed by a Physician;
Normal pregnancy or resulting childbirth;
Participation as a professional in athletics;
Riding or driving in any motor competition;
Declared or undeclared war, or any act of war;
Civil disorder;
Service in the armed forces of any country;
Nuclear reaction, radiation or radioactive contamination;
Operating or learning to operate any aircraft, as pilot or crew;
Any unlawful acts, committed by you or a Traveling Companion (whether insured or not);
Any amount paid or payable under any Workers Compensation, Disability Benefit or similar law;
Loss or damage caused by detention, confiscation or destruction by customs;
Elective Treatment and Procedures;
Medical treatment during or arising from a Covered Trip undertaken for the purpose or intent of securing medical treatment;
Financial Insolvency of the person, organization or firm from whom you directly purchased or paid for your Trip. Financial Insolvency which occurred before your effective date for the Trip Cancellation Benefits, or Financial Insolvency which occurs within 7 days following your effective date for the Trip Cancellation Benefits;
A loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when this certificate is not in force for you.

Important Note: Exclusion 3, Item r. above, applies to you, a Family Member, or Traveling Companion.

Note: This brochure is a brief description of the benefits available to you under the travel insurance certificate. Since the Master Policy is complete in detail, the final interpretation of any provision or claim will be governed by the Master Policy.

TRAVEL INSURANCE IS UNDERWRITTEN BY

Travel Insurance is underwritten by Stonebridge Casualty Insurance Company, Columbus, Ohio; NAIC # 10952 (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 TAHC5100 and TAHC5200. In IL, IN, KS, LA, OR, OH, VT, WA and WY Policy Form #'s TAHC5100IPS and TAHC5200IPS.

WHERE TO PRESENT A CLAIM

All claims should be presented to the Program Administrator:
HTH Administration Services
P. O. Box 939057
San Diego, CA 92193-9057

CLAIMS PROCEDURES

To facilitate prompt claims settlement:

Report any claim as soon as possible.
Report claims directly to the Program Administrator, your Tour Operator, Cruise Line or Travel Agent.
Upon your report of a claim, you will receive a claim form, which should be fully completed and returned along with any documentation, as explained below.

Medical Expenses: Obtain receipts from the treating Physicians, etc., stating the amounts paid and listing the diagnosis and treatment; submit these first to any other valid and collectible group insurance plan(s). Forward a copy of their final disposition of your claim to the Program Administrator.

Trip Cancellation/Interruption: Obtain medical statements from the Physicians in attendance in the country where Sickness or Injury occurred. These statements should give complete diagnosis, stating that the Sickness or Injury prevented traveling on dates contracted. Provide all unused and/or additional transportation tickets, official receipts, etc.

Baggage: In case of loss, theft, or damage to personal belongings, immediately contact the hotel manager, tour guide or representative, transportation official or local police, report the occurrence and obtain a written statement. Submit claim first to the party responsible (i.e. airlines, hotel, etc.). Forward copies of the outcome of your claim to the Program Administrator.

Travel Supplier Restrictions

Effective Date - Sat October 15, 2005

Financial Insolvency/Default coverage will not be provided for travel suppliers already in bankruptcy.