HTH Worldwide - Trip Protector

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.

TripProtector

Certificate of Insurance

This plan is administered by HTH Administration Services.

Available Coverages

There are various insurance benefits provided under the TripProtectorsm plan. A description of all insurance benefits offered are contained in this document.

The specific benefits, and their maximum limits, applied for and paid for by you, are listed in the Declaration of Coverages contained in the letter that accompanied this document.

Insurance benefits are only available to persons whose primary residence is in the United States or Canada.

TRAVEL PROTECTION CERTIFICATE

Underwritten by Commercial Union Insurance Company (The Company), Boston, Massachusetts

You will be insured under Group Policy K970006, issued to the Trustee of the CU Travel Group Trust, when you make application, pay the correct premium and we accept you.

The premium is non-refundable once coverage is in effect.

Various provisions in this certificate restrict coverage. Read the entire certificate carefully to determine rights, duties and what is and is not covered.

Throughout this certificate, the words "you," "your" and "yourself" refer to the Named Insured or "coinsured" shown in the Declarations. The words "we," "us" and "our" refer to the Company providing this insurance. Other words and phrases that appear in quotation marks have special meaning. Refer to the Section entitled - DEFINITIONS.

Who is Covered

These coverages and services are available to you: When you take a "covered trip" and pay the required premium prior to "trip" departure; and if your primary residence is in the United States or Canada.

When coverage is effective

Coverage for Trip Cancellation is effective the earliest of:
1. At 12:01 AM Standard Time at the address shown in the Declarations on the day after we receive your payment for insurance; or
2. At 12:01 AM Standard Time at the address shown in the Declarations on the day after your application is postmarked.
Coverage for Travel Delay is effective on your scheduled departure time and date.

Coverage for all other benefits is effective on the later of:
1. The date and time you actually start your "trip"; or
2. On 12:01 AM Standard Time of the scheduled departure date of your "trip."

For coverages other than Trip Cancellation and Travel Delay, you must be on the "covered trip" for coverage to apply.

When coverage ends

All coverage ends on the earlier of:
1. Midnight of the "trip completion date"; or
2. When you complete your "trip"; or
3. When you reach "home" or your final destination point; or
4. When the "trip" is cancelled.

However, if your "trip" is delayed for covered reasons, coverage is extended until you reach your "home" or could reasonably be expected to reach your "home", if earlier.

No coverage is in effect if:
1. The travel documents do not reflect an intention to start and end a "trip" on the "trip departure date" and "trip completion date"; or
2. The tickets for the "trip" do not contain specific travel dates (open tickets); or
3. Promotional coupons or tickets issued on non-Airline Reporting Corporation approved ticket stock are used, other than electronic tickets, Frequent Flyer Awards, air charter tickets, cruise line or railroad tickets.

GENERAL EXCLUSIONS

These exclusions apply to all coverages:
In addition to any exclusions which apply to a particular benefit, no coverage is provided for any loss arising directly or indirectly out of or as a result of the following:
1. Suicide, attempted suicide or intentionally self-inflicted harm, while sane or insane;
2. Pregnancy, childbirth, or elective abortion, other than unforeseen complications of pregnancy;
3. Participation as a professional in athletics;
4. Mountain climbing;
5. Riding or driving in any motor competition;
6. Declared or undeclared war or any act of war;
7. Service in the armed forces of any country;
8. Operating or learning to operate any aircraft as pilot or crew;
9. Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;
10. Loss or damage caused by detention, confiscation or destruction by customs;
11. Any unlawful acts committed by you or a "family member";
12. Nuclear reaction, radiation or radioactive contamination;
13. Civil disorder or riot (does not apply to Travel Delay coverage);
14. Use of drugs, narcotics or alcohol, unless administered upon the advice of a "doctor".

PRE-EXISTING CONDITIONS EXCLUSION

THIS EXCLUSION APPLIES TO TRIP CANCELLATION, TRIP INTERRUPTION, AIR FLIGHT ACCIDENT, AND EMERGENCY MEDICAL EXPENSE COVERAGES. IT APPLIES TO YOU AND ALL "FAMILY MEMBERS" WHETHER OR NOT THEY ARE TRAVELING WITH YOU.

PLEASE READ IT CAREFULLY.

There is no coverage for any loss due to "injury", "sickness" or death of you or a "family member", if, during the 180 days preceding and including the "certificate effective date", there was medical care, advice, consultation or treatment received for the condition, or if symptoms of the condition were present, or if there was any adjustment of medication for the condition. This exclusion applies whether the condition was known to you or not, and whether the condition was diagnosed or not.

We will waive this exclusion if you meet the following conditions:

1. You must purchase the TripProtector plan within fourteen (14) days of making your initial trip deposit. (Day 1 is the day after initial deposit).
2. The amount of trip cancellation coverage purchased at that time equals the total cost of all non-refundable trip arrangements. The cost of any subsequent arrangements added to your trip (or any arrangements not made through your travel agent) must be insured within fourteen (14) days of making those arrangements.
3. The Trip Cost Per Person is no more than $10,000. This waiver is not available for policies (for any benefit amounts) if the Trip Cost Per Person is greater than $10,000.
4. All insured travelers must be medically able to travel when you pay your plan cost.
5. The booking for this trip must be the first and only booking for this travel period and destination.

Trip Cancellation and Trip Interruption Coverage

Trip Cancellation coverage provides benefits for losses you incur for "trips" cancelled up to the time and date of departure. Trip Interruption coverage provides benefits for losses you incur for "trips" that are interrupted after the time and date of departure. We will pay this benefit if your "trip" is cancelled or interrupted due to any of these events or if your "traveling companion's" "trip" is cancelled or interrupted and your "traveling companion" has a valid claim on a Commercial Union travel insurance policy. Losses are payable only for those events which could not have been reasonably foreseen by you, are outside your control and substantially impair your ability to travel.

1. Unforeseeable "sickness" or "injury" (requiring examination or treatment by a "doctor" prior to the cancellation or interruption of your "trip") or death of you or a "family member". "Sickness" or "injury" must be so disabling, in the written opinion of a "doctor", as to reasonably cause you to interrupt or cancel your "trip". If you must cancel or interrupt your "trip" due to "injury" or "sickness" of a "family member," it must be because their condition is life-threatening, or because the "family member" requires your care. Cancellations due to the death of a non-traveling "family member" are covered only if the death occurs within 60 days of your scheduled "trip departure date."

2. Unforeseeable "financial default" or bankruptcy of any tour operator, hotel, resort, rental car company, other travel supplier or "common carrier" whose services or products constitute all or part of your "trip". "Financial default" occurring on or before the "certificate effective date", or less than seven (7) days after the "certificate effective date", is not covered.

3. A "terrorist incident" in a foreign city to which you were scheduled to arrive within 30 days following the incident.

4. Adverse weather or natural disasters resulting in the complete cessation of travel services.

5. Your "home" being made uninhabitable by fire, flood, vandalism, burglary or natural disaster.

6. You being subpoenaed, required to serve on a jury, hijacked or quarantined.

7. A covered Travel Delay which results in the loss of more than 50% of your scheduled "trip" length.

8. Carrier caused delays due to adverse weather that affect public transportation.

9. Travel arrangements cancelled by a tour operator or "common carrier" due to adverse weather that affect public transportation.

What we will pay for Trip Cancellation (for covered losses):

1. Forfeited, published, nonrefundable payments incurred as a result of cancellation penalties imposed by tour operators and "common carriers," or change fees incurred in place of full penalties (not including travel agency penalties). If your claim is covered due to the Pre-Existing Conditions Exclusion being waived, as explained in the section titled, "Pre-Existing Conditions Exclusions," we will not pay any cancellation penalties you were subject to prior to the purchase of this coverage. If you fail to notify the appropriate travel supplier(s) of your cancellation within 72 hours of becoming aware of the need to cancel, we will pay only the cancellation penalties you were subject to at that time. If you are medically unable to notify the appropriate travel supplier within 72 hours, you must notify them as soon as medically possible;

2. The charge for a single supplement if your "coinsured's" "trip" is cancelled but yours is not.

What we will pay for Trip Interruption (for covered losses):

1. Forfeited, published, nonrefundable payments incurred as a result of cancellation penalties imposed by tour operators and "common carriers," or change fees incurred in place of full penalties (not including travel agency penalties). If your claim is covered due to the Pre-Existing Conditions Exclusion being waived, as explained in the section titled, "Pre-Existing Conditions Exclusions," we will not pay any cancellation penalties you were subject to prior to the purchase of this coverage. If you fail to notify the appropriate travel supplier of your cancellation within 72 hours of becoming aware of the need to cancel, we will pay only the cancellation penalties to which you would have been subject at the time of cancellation;

2. Unused, nonrefundable arrangements, with the exception of unused airfare;

3. The greater of:
a. Additional transportation expenses to your "home", less any refunds paid or payable, not to exceed the cost of economy airfare or first class airfare if your original tickets were first class; or
b. The value of your unused airfare if you must return "home" due to a covered loss.

4. The charge for a single supplement if your "coinsured's" "trip" is interrupted but yours is not;

5. Reasonable, additional accommodation and transportation expenses (up to $150 per day) if you or your "coinsured" must remain in the hospital or have been certified as medically unable to travel. This benefit is provided for a maximum of five (5) days.

IF YOU ARE INTERRUPTED IN THE COURSE OF YOUR TRIP, YOU MUST CALL US PRIOR TO MAKING ANY ADDITIONAL ACCOMMODATION OR TRANSPORTATION ARRANGEMENTS. FAILURE TO DO SO MAY AFFECT YOUR COVERAGE.

In addition to the General Exclusions, coverage is not provided for losses caused by or as a result of:

1. Carrier-caused delays except as provided elsewhere in this certificate;

2. Travel arrangements cancelled by a tour operator or "common carrier" except as provided elsewhere in this certificate;

3. Changes in plans by you or a "family member" for reasons other than those specifically listed in this Certificate;

4. Financial circumstances of you or a "family member";

5. Business, contractual or educational obligations of you or a "family member";

6. "Financial Default" of the entity from whom you purchased this insurance or of the travel agent through which you made travel arrangements, if the travel agent distributes this product for us;

7. Any government regulation or prohibition;

8. An event which occurs prior to the "certificate effective date", whether known to you or not;

9. Failure of any tour operator, "common carrier", person or agency to provide the bargained-for travel arrangements.

Your Duties In The Event Of Loss:

You must provide us documentation of the cancellation, interruption or delay and proof of the expenses incurred. You must provide proof of payment for the "trip" such as cancelled checks or credit card statements, proof of refunds received, copies of applicable tour operator or "common carrier" cancellation policies, proof of age for all parties claiming benefits and any other information reasonably required to prove the loss. Claims involving loss due to "sickness", "injury" or death require signed patient (or next of kin) authorization to release medical information and an attending physician's statement. You must provide us with all unused air, rail, cruise or other tickets if you are claiming the value of those unused tickets.

Travel Delay Coverage

We will pay on a one-time basis for reasonable additional accommodation and traveling expenses incurred by you, due to a documented travel delay of 12 or more hours.

Covered reasons for travel delay are:
You being delayed by a traffic accident while en route to a departure; carrier-caused delay; lost or stolen passports, money or travel documents; quarantine; hijacking; unannounced strike; natural disaster or adverse weather; or a civil disorder. Payments for additional accommodation expenses will not exceed $150 per day per individual or $500 per day per certificate, up to the Maximum Limit of Coverage.

IF YOU ARE DELAYED IN THE COURSE OF YOUR TRIP, YOU MUST CALL US PRIOR TO MAKING ANY ADDITIONAL ACCOMMODATION OR TRANSPORTATION ARRANGEMENTS. FAILURE TO DO SO MAY AFFECT YOUR COVERAGE.

Your Duties In The Event Of Loss: You must provide us with proof of the Travel Delay (such as a letter from a "common carrier", newspaper clipping, weather report, police report or the like) and proof of the expenses claimed as a result of the Travel Delay.

Travel Delay Policy Maximum Limit $1,200

Baggage Protection

We will pay this benefit if your baggage or other personal effects are lost, damaged or stolen while on your "trip", provided you have taken all reasonable measures to preserve and protect, or recover the property.

Property Not Covered:
1. Animals;
2. Automobiles and equipment, motorcycles and motors;
3. Bicycles (except when checked with a "common carrier");
4. Aircraft, boats or any other vehicles or conveyances;
5. Eyeglasses, sunglasses, contact lenses, hearing aids, artificial teeth and limbs;
6. Tickets, keys, money, notes, securities, accounts, bills, currency, deeds, food stamps or other evidences of debt, credit cards and other travel documents (except passports and visas);
7. Contraband, or property in the course of illegal transportation or trade;
8. Property shipped as freight or shipped prior to your "trip departure date."

In the event of a covered claim, we will pay the lesser of:
1. The actual purchase price of the item;
2. The "actual cash value" of the item at the time of loss;
3. For non-receipted items we will pay 75% of the "actual cash value" of the item at the time of loss; or
4. The cost to repair or replace the item, or an item of like kind and quality.

This coverage is excess over any other coverage or indemnity provided by a "common carrier".

In addition to the General Exclusions, coverage is not provided for defective materials or workmanship, ordinary wear and tear and normal deterioration.

Your Duties In The Event Of Loss:

You must notify the police, appropriate local authorities, or "common carrier" at the place the loss occurred. They must be informed of the value of the property within 24 hours after the loss. You must provide documentation to support your loss, such as copies of "common carrier" claims, police reports, an itemization and description of lost items, all receipts, credit card statements, cancelled checks, and photos.

Baggage Policy Maximum Limit $2,000

Baggage Delayi Coverage

If your baggage is delayed or misdirected for more than 24 hours, we will reimburse you on a one-time basis for the reasonable, emergency purchase of essential items. We will also pay the reasonable cost to return your baggage to your "home".

Your Duties In The Event Of Loss: You must provide documentation of the delay or misdirection of baggage by the "common carrier" and receipts for the emergency purchases.

Emergency Medical Expense Coverage

(Not available to residents of Canada)

If you become sick or are accidentally injured while you are traveling, we will pay for necessary medical, surgical and emergency dental care provided by a "doctor"; we will also pay for professional nursing, hospital, x-ray, ground ambulance services and prosthetic devices. You must first seek treatment during the "covered trip".

Medical Benefit: Benefits will be paid for covered expenses incurred within 365 days of the date of the "sickness" or "injury". Benefits payable will not exceed the usual, customary and reasonable charges for similar services in the geographic area in which the services were rendered.

Dental Benefit: Payment for dental expenses incurred are limited to $500.

This coverage is excess over any other health, medical, dental or accident insurance coverage you may have available to you. If we pay benefits to cover emergency expenses incurred during your "trip", we reserve the right to seek reimbursement from your other health, medical, dental or accident insurance plans. You must cooperate with us if we seek to recover expenses from your primary health, medical, dental or accident insurance carrier.

In addition to the General Exclusions, coverage is not provided for:
1. Routine physical examinations;
2. Mental health care;
3. Hearing aids, eyeglasses, contact lenses, sunglasses, and artificial teeth;
4. Routine dental care;
5. Treatment arising from alcohol or substance abuse;
6. Cosmetic surgery, other than reconstructive surgery when necessary due to an "injury" as a result of an "accident" which occurs while coverage is in effect;
7. Amounts paid or payable under any Worker's Compensation, Employer's Liability or Law, Occupational Disease Law, disability benefit, or similar law;
8. Any service provided by you or a "family member."

If you are insured under a family, cabin or per-reservation plan, the maximum amount payable is one-half the Maximum Limit of Coverage shown on the Declaration of Coverage.

Your Duties In The Event Of Loss:

You must provide us with all medical bills and reports for medical expenses claimed. You must sign a patient authorization to release medical information.

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

Air Flight Accident Coverage

Air Flight Coverage provides coverage in the event of an "accident" during a "covered trip."

Coverage applies:
1. while you are riding, boarding or alighting as a ticketed passenger on a certified passenger aircraft provided by a regularly scheduled airline on any regularly scheduled "trip" or charter; and
2. while you are riding, boarding or alighting from any land or water conveyance provided by the airline as substitute for an aircraft.

We will pay a benefit if you are "injured" in an "accident" which happens while you are on a "trip," and as a direct result of that "accident" you sustain one of the following losses within 180 days of the "accident":
o Loss of Life
o Loss of both hands or feet
o Loss of sight of both eyes
o Loss of one hand and one foot
o Loss of one hand or one foot and the sight of one eye
o Loss of one hand, one foot or the sight of one eye

What we will pay:
1. The Maximum Limit of Coverage as shown in the Declaration of Coverages for loss of: life; both hands or feet; sight of both eyes; one hand and one foot; one hand and the sight of one eye; or one foot and sight of one eye;
2. One-Half the Maximum Limit of Coverage for loss of: one hand; one foot; or sight of one eye.

Disappearance: We will pay the Maximum Limit of Coverage if your body cannot be located within one year after the destruction or disappearance of the conveyance in which you were a passenger due to forced landing, stranding, sinking or wrecking.

If you suffer more than one loss from an "accident," we will pay only for the loss with the greatest benefit.

This benefit is payable to you or your estate, unless you name a beneficiary when you apply for coverage.

Your Duties In The Event Of Loss: You (or your estate) must provide all documents needed to substantiate the date, place and cause of death, such as coroner's reports, police reports, autopsy reports, death certificates and medical records.

Flight Insurance Policy Maximum Limit $250,000

General Conditions

Conformity with State Statutes: If not addressed specifically in the Policy, mandated benefits will be provided by administration according to individual state requirements. If any provision of the Policy is in conflict with state statutes, the Company will interpret the Policy to conform.

Duplication of Coverage: You may only purchase one Certificate from us for each "covered trip". If you do purchase more than one Certificate for a specific "covered trip", the Maximum Limit of Coverage payable will be as specified in the Certificate with the highest level of benefits. We will refund premiums received from you under any other Certificate.

Entire Contract: The Policy, the Certificate of Insurance, the Declaration of Coverage, any endorsement to either the Policy or the Certificate of Insurance, and your application constitute the entire contract between you and us. Your rights are contained solely in the provisions of the Policy. No agent has the authority to change the Policy or to waive any of its provisions. No change in the Policy will be valid unless authorized in writing by an officer of the Company and attached to the Policy.

Examination Under Oath: As often as we may reasonably require, you or any person making a claim under this Policy must submit to examination under oath.

Excess Coverage: This Policy is excess over any other travel insurance policy or tour operator waiver you may have in effect at the time of the loss.

Fraud: If any claim made under the Policy is determined to be fraudulent or if any fraudulent means or devices are used by you or a "family member" or by anyone acting on your or their behalf, all benefits otherwise payable will be forfeited. Any claim submitted for an amount intentionally in excess of the true value of lost or damaged property or actual expenses incurred shall be deemed fraud within the meaning of this provision.

Liberalization Clause: If we make a change which broadens coverage under this edition of our Policy without additional premium charge, that change will automatically apply to your coverage as of the date we implement the change in your state, provided that this implementation date falls within 60 days prior to or during the Policy period stated in your Declaration of Coverage.
This Liberalization Clause does not apply to changes implemented through introduction of a subsequent edition of Our Policy.

Material Misrepresentation: This entire Policy shall be void if, whether before or after a loss, the insured has willfully concealed or misrepresented any material fact or circumstance concerning this insurance or the subject thereof, or the interest of the insured therein, or in case of any fraud or false swearing by the insured relating thereto.

Maximum Limit of Coverage: The Maximum Limit of Coverage for each claim is listed in the Declaration of Coverage or Certificate of Insurance application, subject to the Company's "Maximum Limit of Liability". In the event of multiple claims by "coinsureds" for one event, the available funds will be distributed in order of notice of claim by each "coinsured". If two or more "coinsureds" present claims at one time, the funds will be distributed on a pro-rata basis, up to the Maximum Limit of Coverage.

Maximum Limit of Liability: All limits are applied per "trip". Our Maximum Limit of Liability for all claims resulting from the same occurrence will be $10,000,000 under the CU Travel Group Trust series of policies. We will pay no more than $250,000 per occurrence, under the CU Travel Group Trust series of policies, to or on account of any person insured under the CU Travel Group Trust series of policies.

Observance of Terms and Conditions: The Company is not liable for payment of benefits under the Policy until all terms and conditions for which you are responsible have been met.

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/or any person to whom we make a payment must sign any papers and do whatever is necessary to transfer this right to us. You and/or any person to whom we make a payment agree(s) to cooperate with us and to do nothing after the loss that will adversely affect our rights.

Physical Examination and Autopsy: We may require, at our expense, that you be examined by a "doctor" that we select. In the event of loss of life, we may require, at our expense, an autopsy where not prohibited by law.

Proof of Loss: Written proof of loss must be sent to us within 90 days after the date of loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible and in no event, except in the absence of your legal capacity, later than one year from the time proof is otherwise required.

Transfer of Your Rights and Duties Under This Policy: Your rights and duties under this certificate may not be transferred without our written consent except in the case of death of an individual named insured.
If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property.

When To Bring Legal Action: No action at law or in equity shall be brought to recover on this certificate prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this certificate. No action may be brought after three (3) years from the date written proof of loss is due unless otherwise provided by law.

Your Duty to Cooperate: You must provide us with receipts, proof of payment, medical authorizations, or other records and documents we may reasonably require concerning your claim.

Definitions

"Accident" means a sudden, unexpected, unintended and external event which causes "injury".

"Actual Cash Value" means purchase price less depreciation.

"Certificate Effective Date" means the later of: the day after you applied for your coverage and paid your premium; or the day after your application (with the proper premium) is postmarked.

"Coinsured" means a person listed on the application; for whom premium was paid; and who accompanies you on the majority of the entire "trip".

"Common Carrier" means a vehicle or service licensed to carry passengers for hire on a regularly scheduled basis.

"Covered Trip" means:
1. A period of round-trip travel away from "home" to a destination outside your city of residence; the purpose of the "trip" is business or pleasure and is not to obtain health care or treatment of any kind; the "trip" has defined departure and return dates specified when you apply; the "trip" does not exceed 365 days; and your destination is not to another "home"; travel is primarily by "common carrier" and only incidentally by private conveyance; or,
2. A period of one-way travel that starts in the US or Canada (except US citizens may begin their "trip" outside the US, if returning to the US); the purpose of the "trip" is business or pleasure and is not to obtain health care or treatment of any kind; the "trip" has defined departure and arrival dates and defined departure and arrival places specified when "you" apply; travel is primarily by "common carrier" and only incidentally by private conveyance; and the "trip" does not exceed 31 days in length.

In this Policy, "Covered Trip" is also referred to as "Trip".

"Doctor" means a government-licensed practitioner of the healing arts including accredited Christian Science Practitioners, acting within the scope of his/her license. The treating "doctor" may not be yourself or a "family member."

"Family Member" means your: "spouse", child, "spouse's" child, or ward.

"Financial Default" means the complete suspension of operations due to financial circumstances, whether or not a bankruptcy petition is filed, or partial suspension of operations following the filing of a bankruptcy petition.

"Home" means your principle or secondary place of residence.

"Injury" is a bodily injury, or any complication due to or as a result of a bodily injury, caused by an "accident" and resulting directly and independently of all other causes.

"Sickness" means an illness or disease of the body, or any complication due to or as a result of an illness or disease, which requires treatment by a "doctor".

"Spouse" means a person to whom you are married, or with whom you live in a spousal relationship.

"Terrorist Incident" 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" is a person who accompanies you on the "trip."

"Trip", see "Covered Trip".

"Trip Completion Date" is the date on which you are scheduled to return to the point where the "trip" started, or to your final destination as specified in your application.

"Trip Departure Date" is the date on which you are originally scheduled to leave on your "trip", as shown on your application.

TO FILE A CLAIM For claims information and to obtain claim forms, please call. Notice of claim must be given to Commercial Union at: PO Box 939057, San Diego, CA 92193-9057, within 30 days after the covered loss occurs or as soon as reasonably possible.

TripProtector

Travel Protection Certificate Multi-State Amendatory Rider

THIS RIDER CHANGES THE CERTIFICATE. PLEASE READ IT CAREFULLY FOR STATE AMENDMENTS.

G14451 05 00
ALASKA AMENDMENT RIDER

The Certificate to which this rider is attached is amended as follows:
1. In the section entitled GENERAL CONDITIONS, the provision entitled "Examination Under Oath" is amended by the addition of the following statement: The insured has the right to an attorney being present during any examination under oath.
2. In the section entitled GENERAL CONDITIONS, the provision entitled "Material Misrepresentation" is amended to read: All statements in an application for insurance shall be considered to be representations and not warranties. Misrepresentations, omissions, or concealment of facts and statements may not prevent a recovery under this policy unless either fraudulent, material either to the acceptance of the risk or to the hazard assumed by you or we, in good faith, would either not have issued the coverage at the benefit level or same premium rate if the true facts had been known to us as required by the application for coverage.

G15112 05 00
ARIZONA AMENDMENT RIDER

The Certificate to which this rider is attached is amended as follows:
1. The provision entitled Pre-Existing Conditions Exclusion is amended to delete the phrase "This exclusion applies whether the condition was known to you or not, and whether the condition was diagnosed or not."
2. In the provision entitled General Exclusions, exclusion 2 is amended to read: "Pregnancy, childbirth, or elective abortion, other than complications of pregnancy;"
3. Under General Conditions section, the provision entitled "Our Right to Recover From Others" does not apply to the Medical and Dental Expense Coverage.
4. Under the General Conditions section, the provision entitled "Material Misrepresentation" is amended to read:
All statements made before or after a loss are deemed to be representations and not warranties. The coverage will be void if misrepresentations, omissions, concealment of facts and incorrect statements are fraudulent, material either to the acceptance of the risk or hazard assumed by us, or we would have either not issued the coverage, or would not have issued in as large an amount, or would not have provided coverage with respect to the risk or hazard resulting in the loss, if the true facts had been made known to us as required by either the application or otherwise.
5. Under the benefit entitled Medical and Dental Expense Coverage, paragraphs 4 & 5 referencing excess coverage and right of recovery are deleted and replaced with the following Coordination of Benefits Provision:

COORDINATION OF BENEFITS PROVISIONS

The coordination of benefits (herein referred to as COB) provision applies to this certificate when an insured person has health care coverage under more than one plan. If this COB provision applies, the order of benefits determination rules should be looked at first. Those rules determine whether the benefits of this policy are determined before or after those of another plan. The benefits of this policy:
1. will not be reduced when, under the order of benefit determination rules, this plan determines its benefits before another plan; but
2. may be reduced when, under the order of benefit determination rules, another plan determines its benefits first. This reduction is described further in the section entitled "Effect on the Benefits of This Policy When it is Secondary." Definitions

Plan means a form of coverage written on an expense incurred basis that provides benefits or services for, or because of, medical care or treatment. Plan includes:
1. group insurance and group remittance subscriber contracts;
2. uninsured arrangements of group coverage;
3. group coverage through Health Maintenance Organizations and other prepayment, group practice and individual practice plans; and
4. blanket contracts except blanket school accident coverages or similar groups when the policyholder pays the premium.

Plan does not include individual or family insurance contracts, direct payment subscriber contracts, coverage through Health Maintenance Organizations, or coverage under other prepayment group practice and individual practice plans. Plan does include this policy.

Primary Plan is one whose benefits for healthcare coverage must be determined without taking the existence of any other plan into consideration. A plan is a primary plan if either:
1. the plan either has no order of benefit determination rules, or it has rules which differ from those in this policy; or
2. all plans that cover the person use the same order of benefits determination rules as in this contract, and under those rules the plan determines its benefits first.

Secondary Plan is one that is not the primary plan. If a person is covered by more than one secondary plan, the order of benefit determination rules of this contract decide the order in which the benefits are determined in relation to each other. The benefits of each secondary plan may take into consideration the benefits of the primary plan(s) and the benefits of any other plan which, under the rules of this policy, has its own benefits determined before those of that secondary plan.

Allowable Expense means the necessary, reasonable, and customary item of expense for health care when the item of expense is covered at least in part under any of the plans involved, including this policy. The difference between the cost of a private hospital room and a semi-private hospital room is not considered an allowable expense under the above definition unless the patient's stay in a private hospital room is medically necessary in terms of generally accepted medical practice. When a plan provides benefits in the form of services, the reasonable cash value of each service will be considered both an allowable expense and a benefit paid.

Claim is a request that benefits of a plan or this policy be provided or paid. The benefits claimed might be in the form of services, including supplies, and/or payment for all or a portion of the expenses incurred.

Claim Determination Period is the period of time of at least 12 consecutive months over which allowable expenses are compared with total benefits payable in the absence of COB to determine whether over-insurance exists and how much each plan, including this plan, will pay or provide. For purposes of this policy, the claim determination period will begin on the effective date of an insured person's coverage and end 12 consecutive months following the date of loss unless extended by any proof of loss provision.

Order of Benefit Determination Rules: When this certificate is a primary plan, its benefits are determined before those of any other plan and without considering another plan's benefits. When this certificate is a secondary plan, its benefits are determined after those of any other plan only when, under these rules, it is secondary to that other plan.

Where there is a basis for a claim under this certificate and no other policy, this certificate is a secondary plan that has its benefits determined after those of the other plan unless:
1. the other plan has rules coordinating its benefits with those of this certificate; and
2. both these rules and this certificate's rules, as described below, require that this plan's benefits be determined before those of the other plan.

Rules: This certificate determines its order of benefits using the first of the following rules that applies:
1. nondependent/dependent rule: The benefits of the plan which covers the person as insured person or subscriber, other than as a dependent are determined before those of the plan which covers the person as a dependent.
2. longer/shorter length of coverage rule: The benefits of the plan that covered an insured person or subscriber longer are determined before those of the plan that covered that person for the shorter time.
To determine the length of time a person has been covered under a plan, two plans shall be treated as one if the claimant was eligible under the second within 24 hours after the first ended. Therefore, the start of a new plan does not include:
1. a change in the amount or scope of a plan's benefits;
2. a change in the entity which pays, provides or administers the plans benefits; or
3. a change from one type of plan to another.
The claimant's length of time covered under a plan is measured from the claimant's first date of coverage under that plan. If that date is not readily available, the date the claimant first became a [member] of the group shall be used as the date from which to determine the length of time the claimant's coverage under the present plan has been in force.
Effect on the Benefits of This Plan When it is Secondary: The benefits of this certificate will be reduced when it is a secondary plan so that the total benefits paid or provided by all plans during a claim determination period are not more than the total allowable expense, not otherwise paid, that were incurred during the claim determination period by the person for whom the claim is made. As each claim is submitted, this certificate determines its obligations to pay for allowable expenses based on all claims that were submitted up to that point in time during the claim determination period.
Right to Receive and Release Needed Information: Information is needed to apply these COB rules. We will determine what information it needs to make a determination about these rules. We may get the information from or give them to any other insurance company or person without the consent of any person. Each person claiming benefits under this certificate must give us any information needed to pay the claim.
Facility of Payment: A payment made under another plan may include an amount that should have been paid under this certificate. If it does, we may pay that amount to the insurance company that made the payment. The amount will be treated as though it was a benefit paid under this certificate. We will not have to pay that amount again. The term "payment made" includes providing benefits in the form of services, in which case, payment made means reasonable monetary value of the benefits provided in the form of services.
Right of Recovery: If the amount of the payments made by us is more than should have been paid under this COB provision, we may recover the excess from one or more of:
1. the persons to whom or for whom we has paid;
2. the insurance companies; or
3. any of the other organizations.

Non-complying Plans
This certificate may coordinate its benefits with a plan that is excess or always secondary or which uses order of benefits determination rules which are difference with the rules of this plan on the following basis:
1. if this certificate is the primary plan, this certificate will pay on a primary basis;
2. if this certificate is the secondary plan, this certificate will pay its benefits first, but the amount of the benefit payable will be determined as if this certificate were the secondary plan. In this situation, Our payment will be the limit of this certificate's liability; and
3. if the non-complying plan does not provide the information needed by this certificate to determine its benefits within 30 days after it is requested to do so, we will assume that the benefits of the non-complying plan are identical to this certificate and will pay benefits accordingly. We will adjust any payments made based on this assumption whenever information becomes available as to the actual benefits of the non-complying plan.

G14456 09 98
ARKANSAS AMENDMENT RIDER

The Certificate to which this rider is attached is amended as follows:
1. The provision entitled "When to Bring Legal Action" is amended to reflect a 5-year legal actions time period.
2. In the section entitled DEFINITIONS, the definition of accident is amended to read:
"Accident" means a sudden, unexpected, and unintended event that causes Injury.
3. In the section entitled DEFINITIONS, the definition of injury is amended to read:
"Injury means accidental bodily injury sustained by the insured that is the direct cause, independent of disease or bodily infirmity or any other cause and occurs while the insurance is in force.

G14465 11 98
CALIFORNIA AMENDMENT RIDER

The provision entitled "Pre-Existing Conditions Exclusion" in the certificate to which this rider is attached is amended to read:

PRE-EXISTING CONDITIONS EXCLUSION

THIS EXCLUSION APPLIES TO TRIP CANCELLATION, TRIP INTERRUPTION, AIR FLIGHT ACCIDENT AND EMERGENCY MEDICAL EXPENSE COVERAGES. IT APPLIES TO YOU AND ALL "FAMILY MEMBERS", WHETHER OR NOT THEY ARE TRAVELING WITH YOU. PLEASE READ IT CAREFULLY.

There is no coverage for any loss due to "injury", "sickness" or death of you, or a "family member", if, during the 180 days preceding and including the "certificate effective date", there was medical care, advice, consultation or treatment received for the condition, or if there was any adjustment of medication for the condition.

We will waive this exclusion if you meet the following conditions:
1. You must purchase the TripProtector plan within fourteen (14) days of making your initial trip deposit. (Day 1 is the day after initial deposit).
2. The amount of trip cancellation coverage purchased at that time equals the total cost of all non-refundable trip arrangements. The cost of any subsequent arrangements added to your trip (or any arrangements not made through your travel agent) must be insured within fourteen (14) days of making those arrangements.
3. The Trip Cost Per Person is no more than $10,000. This waiver is not available for policies (for any benefit amounts) if the Trip Cost Per Person is greater than $10,000.
4. All insured travelers must be medically able to travel when you pay your plan cost.
5. The booking for this trip must be the first and only booking for this travel period and destination.

G14467 12 00
CONNECTICUT AMENDMENT RIDER

The Certificate to which this rider is attached is amended as follows:

1. Under GENERAL EXCLUSIONS, Exclusions 11 and 14 are amended to read:

11. Any felony committed by you, or a "family member";
14. Any voluntary use of any controlled substance as defined in Title II of the Comprehensive Drug Abuse Prevention and Control Act of 1970, as now or hereafter amended, unless as prescribed by your "physician" for you.

2. Under the coverage entitled BAGGAGE PROTECTION, what we will pay in the event of a covered claim is amended to read as follows:
In the event of a covered claim, we will pay the lesser of:
1. The actual purchase price of the item;
2. The "actual cash value" of the item at the time of loss; or
3. The cost to repair or replace the item, or an item of like kind and quality.

3. The provision entitled "Our Right of Recovery From Others" is amended to read:
Our Right to Recover From Others: As permitted by law, we have the right to recover any payments we may have made from anyone who may be responsible for the loss. You and/or any person to whom we make a payment must sign any papers and do whatever is necessary to transfer this right to us. You and/or any person to whom we make a payment agree(s) to cooperate with us and to do nothing after the loss that will adversely affect our rights.

4. In the section entitled GENERAL CONDITIONS, the Fraud and Material Misrepresentation provisions are deleted. For all benefits with the exception of "Medical And Dental Expense Coverage" and the "Air Flight Accident Coverage", these provisions are replaced with the following therefore: Concealment or Fraud: The entire policy will be void with respect to an insured who, whether before or after a loss, has intentionally:
a. Concealed or misrepresented any material fact or circumstance;
b. Engaged in fraudulent conduct; or
c. Made material false statements; relating to this insurance.

5. The following definition is added to the DEFINITIONS section:
"Riot" means all forms of violence, disorder, or disturbance of the public peace by three or more persons assembled together. It does not matter whether they are acting with a common intent or that damage to person or felonious acts is their intent or result of their action.

G14447 06 98
KANSAS AMENDMENT RIDER

The Section entitled GENERAL CONDITIONS in the certificate to which this rider is attached is amended as follows:
1. The provision entitled "Entire Contract" is amended by deleting the reference to "officer" and substituting "executive officer" therefore.
2. The provision entitled "When to Bring Legal Action" should reflect a 5-year legal actions time period.
3. A provision entitled "Time of Payment of Claim" is hereby added:
Time of Payment of Claim: Indemnities payable under the policy for any loss other than loss for which the policy provides any periodic payment will be paid immediately upon receipt of due written proof of such loss.

G14464 11 98
MARYLAND NOTICE

Please note that the group policy for your certificate was issued in the state of Rhode Island and may not include all of the mandated benefits required for a policy issued in Maryland.

G14446 06 98
MISSISSIPPI AMENDMENT RIDER

The Certificate to which this rider is attached is amended as follows:
1. Under GENERAL CONDITIONS, the provisions entitled Our Right to Recover From Others is amended by the addition of the following sentence: We may not invoke this right until you have been made whole for your damages.
2. A provision entitled TIME OF PAYMENT OF CLAIM is added to the GENERAL CONDITIONS:
Benefits payable for any loss will be paid within 45 days after receipt of due written proof of such loss. Benefits due are overdue if not paid within 45 days after we receive proof of loss and the necessary information to adjudicate the claim. If such information is not supplied as to the entire claim, the amount supported by reasonable proof is overdue if not paid within 45 days after we receive such proof. Any part or all of the remainder of the claim that is later supported by such proof is overdue if not paid within 45 days after we receive such proof. To calculate the extent to which any benefits are overdue, payment shall be treated as made on the date a draft or other valid instrument was placed in the United States mail to the last know address of the claimant or beneficiary in a properly addressed, postpaid envelope, or if not so posted, on the date of delivery.
If the claim is not denied for valid and proper reasons by the end of such period of 45 days, we must pay you interest on accrued benefits at the rate of one and one-half percent (1.5%) per month on the amount of such claim until it is finally settled or adjudicated.
In the event we fail to pay benefits when due, the person entitled to such benefits may bring action to recover such benefits, any interest that may accrue as provided above and any other damages as may be allowable by law.
3. Under GENERAL CONDITIONS the provision entitled Physical Examination and Autopsy is retitled Physical Examination and amended by deleting the last sentence.

G14461 09 98
MISSOURI AMENDMENT RIDER

The certificate to which this rider is attached is amended as follows:

1. The provision entitled PRE-EXISTING CONDITIONS EXCLUSIONS is amended to read:

PRE-EXISTING CONDITIONS EXCLUSION

THIS EXCLUSION APPLIES TO TRIP CANCELLATION, TRIP INTERRUPTION, AIR FLIGHT ACCIDENT AND EMERGENCY MEDICAL EXPENSE COVERAGES. IT APPLIES TO YOU AND ALL "FAMILY MEMBERS", WHETHER OR NOT THEY ARE TRAVELING WITH YOU. PLEASE READ IT CAREFULLY

There is no coverage for any loss due to "injury", "sickness" or death of you, or a "family member", if during the 180 days preceding and including the "certificate effective date", there was medical care, advice, consultation or treatment received for the condition or if there was any adjustment of medication for the condition.

We will waive this exclusion if you meet the following conditions:
1. You must purchase the TripProtector plan within fourteen (14) days of making your initial trip deposit. (Day 1 is the day after initial deposit).
2. The amount of trip cancellation coverage purchased at that time equals the total cost of all non-refundable trip arrangements. The cost of any subsequent arrangements added to your trip (or any arrangements not made through your travel agent) must be insured within fourteen (14) days of making those arrangements.
3. The Trip Cost Per Person is no more than $10,000. This waiver is not available for policies (for any benefit amounts) if the Trip Cost Per Person is greater than $10,000.
4. All insured travelers must be medically able to travel when you pay your plan cost.
5. The booking for this trip must be the first and only booking for this travel period and destination.

2. In the provision entitled GENERAL EXCLUSIONS, exclusion 1. Is amended to read: "Suicide, attempted suicide or intentionally self-inflicted harm, while sane;"

3. The definition of Accident is amended to read: "Accident" means an event that results in unexpected or unintended bodily injury independent of sickness or disease.

4. With regard to the "Medical and Dental Expense Coverage" benefit only, the provision entitled "Our Right To Recover From Others" is amended to read:
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/or any person to whom we make a payment agree(s) to cooperate with us and do nothing after the loss to affect our rights.

5. The provision entitled "When to Bring Legal Action" is amended by deleting the phrase "[three (3)]" years and substituting "the (10) years" therefore.

6. With regard to the Medical Expense Coverage ONLY, the provision entitled "Excess Coverage" is deleted in its entirety and substituted with the following:
Coordination of Benefits Provision The provision as described under ARIZONA AMENDMENT RIDER G15112 05 00 applies with the exception of the Definitions of Plan and Group Plan. The definitions for Missouri residents are as follows:
Plan Means a form of coverage written on an expense incurred basis that provides benefits or services for, of because of, medical care or treatment. Plan includes:
1. Group insurance and group subscriber contracts;
2. Uninsured arrangements of group or group-type coverage;
3. Group or group-type coverage through Health Maintenance Organizations and other prepayment, group practice and individual practice plans;
4. Group-type contracts;
5. Group or group-type hospital indemnity benefits that exceed one hundred dollars ($100) per day;
6. The medical benefits coverage in group, group-type and individual automobile no-fault type contracts but, as to traditional automobile fault contract, only the medical benefits written on a group or group-type basis may be included; and
7. Medicare or other governmental plans, except Medicaid, providing medical, hospital, or surgical benefits.

Plan does not include individual or family insurance contracts, direct payment subscriber contracts, coverage through Health Maintenance Organizations, coverage under other prepayment group practice and individual practice plans, group or group-type hospital indemnity benefits of one hundred ($100) per day or less, school accident-type coverages, and a state plan under Medicaid and shall not include a law or plan when its benefits are in excess of those of any private insurance plan or other non-governmental plan. Plan includes this plan.

Group-type Plan is one that is not available to the general public and can be obtained and maintained only because of membership in or connection with a particular organization or group.

G14455 08 99
MONTANA AMENDMENT RIDER

The certificate to which this rider is attached is amended as follows:

1. The second and third paragraphs of the section entitled PRE-EXISTING CONDITIONS EXCLUSION are amended to read:

There is no coverage for any loss due to "injury", "sickness" or death of you, or a "family member", if during the 180 days preceding and including the "certificate effective date", there was medical care, advice, consultation or treatment received for the condition or if a "doctor" adjusts medication for the condition.

2. In the GENERAL EXCLUSIONS section, Exclusion 2 is deleted in its entirety.

3. In the section entitled GENERAL CONDITIONS:
a.) the provision entitled "Material Misrepresentation" is amended to read:
All statements in an application for insurance shall be considered to be representations and not warranties. Misrepresentations, omissions, or concealment of facts and statements may not prevent recovery under this policy unless either fraudulent, material either to the acceptance of the risk or to the hazard assumed by You or We, in good faith, would either not have issued the coverage at the benefit level or same premium rate if the true facts had been known to Us as required by the application for coverage.
b) the provision entitled "Fraud" is amended to read:
Any insured who, for the purposes of obtaining money or benefits under this certificate, knowingly or willfully presents or causes to be presented a false or fraudulent claim or any proof in support of such a claim for the payment of the loss under this certificate or prepares or makes a false or fraudulent proof of loss, or other document in writing, with intent that the same be presented or used in support of such a claim is guilty of a crime under Montana statute 45-6-301 and a county attorney may initiate criminal proceeding against such person.
c) the provision entitled CONFORMITY WITH STATE STATUTES is amended to read: Conformity with Montana Statutes: The provision of this certificate to conform to the minimum requirements of Montana law and control over any conflicting statutes in any state in which an insured resides on or after the effective date of this certificate.

4. The DEFINITION of "Family Member" is amended to include newborn children from the moment of birth. Such newborns will be covered on the same basis and for the same benefits as You. If your certificate tern is more than 31 days, you must notify Us of the birth within 31 days of the birth and pay any required premium.

5. Under the benefit entitled BAGGAGE PROTECTION, the following sentence is added:
In the case of total loss, we will pay the amount specified per item, if any.

G15122 04 99
NEBRASKA AMENDMENT RIDER

The policy and certificate to which this rider is attached are amended as follows:
The provisions entitled "Fraud" and "Material Misrepresentations" are deleted in their entirety and substituted with the following therefore:
Fraud and Misrepresentation: No misrepresentation or warranty made by the Insured or on his or her behalf in the enrollment under the Group Policy will defeat or void this coverage or effect our obligation under the Group Policy unless such misrepresentation or warranty:
1. was material;
2. was made knowingly with the intent to deceive;
3. was relied and acted upon by us; and
4. deceived the company to its injury.
The break of a warranty or condition in the Group Policy shall not void your coverage or allow us to avoid liability unless such breach exists at the time of the loss and contributes to the loss.

G14466 11 98
NEW HAMPSHIRE AMENDMENT RIDER

The certificate to which this rider is attached is amended as follows:

1. The certificate is amended by the addition of the following statement: This program is a limited benefits program. Read your certificate carefully.

2. Under the benefit entitled Medical and Dental Expense Coverage, exclusion 6 is amended to read:
6. Cosmetic surgery, other than reconstructive surgery when necessary due to an "injury" as the result of an "accident" that occurs while coverage is in effect or "sickness" that occurs while coverage is in effect.

3. The provision entitled Material Misrepresentation is amended by the addition of the following sentence:
Any statements made by any person to void the coverage must be in a signed and written statement.

4. The provision entitled Proof of Loss is amended to read:
Written proof of loss must be sent to us within 90 days after the date of loss. Failure to Furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible.

5. The definition of accident is amended to read: "Accident" means a sudden, unexpected, and unintended event that causes "injury".

G78025 07 00
NEW MEXICO AMENDMENT RIDER

The Certificate to which this rider is attached is amended as follows: These amendments apply to Medical and Dental Expense and Air Flight Accident and Travel Accident coverages.

1. A provision entitled NOTICE OF CLAIM is added to the GENERAL CONDITIONS:
Written notice of claim must be given to the insurance company within twenty days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the insured or the beneficiary to the insurance company at P.O. Box 939057, San Diego, CA 92193-9057 or to any authorized agent of the insurance company, with information sufficient to identify the insured, shall be deemed notice to the insurance company.

2. A provision entitled FURNISHING CLAIM FORMS is added to the GENERAL CONDITIONS:
The insurance company, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within fifteen days after the giving of such notice the claimant shall be deemed to have complied with the requirements of this policy as to proof of loss upon submitting, within the time fixed in the policy for filing proofs of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made.

3. A provision entitled TIME OF PAYMENT OF CLAIM is added to the GENERAL CONDITIONS:
Indemnities payable under this policy for any loss other than loss for which this policy provides any periodic payment will be paid immediately upon receipt of due written proof of such loss. Subject to due written proof of loss, all accrued indemnities for loss for which this policy provides periodic payment will be paid monthly and any balance remaining unpaid upon the termination of liability will be paid immediately upon receipt of due written proof.

4. A provision entitled PAYMENT OF CLAIMS is added to the GENERAL CONDITIONS:
Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the insured. Any other accrued indemnities unpaid at the insured's death may, at the option of the insurer, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the insured.

5. Regarding dependent children, attainment of the limiting age will not cause the coverage to terminate during the coverage period if the child is incapable of self-sustaining employment by reason of mental retardation or physical handicap. Coverage will continue until the end of the period of coverage shown in the declarations page.

G14458 09 98
NORTH DAKOTA AMENDMENT RIDER

The certificate to which this rider is attached is amended as follows:
The section entitled PRE-EXISTING CONDITIONS EXCLUSION is amended by deleting the phrase "or if symptoms of the conditions were present". The following phrase is also deleted in its entirety: "This exclusion applies whether the condition was known to you or not, and whether the condition was diagnosed or not."

G78037 05 00
OKLAHOMA AMENDMENT RIDER

The certificate to which this rider is attached is amended as follows:
1. In the section entitled GENERAL EXCLUSIONS, Exclusion 12, is deleted in its entirety.
2. In the section entitled DEFINITIONS, the definition of Accident is amended to read:
"Accident" means a sudden, unexpected, and unintended event that causes Injury.
3. In the section entitled GENERAL CONDITIONS, the provision entitled Fraud is deleted and replaced with the following:
FRAUD WARNING
WARNING: Any person who knowingly, and with intent to injure, defraud, or deceive any insurer, makes any claim for proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

G78095 05 00
VERMONT AMENDMENT RIDER

The certificate to which this rider is attached is amended as follows: In the provision entitled "Your Duties in the Event of Loss" in the Baggage Protection benefit, the phrase "within 24 hours after the loss" is amended to read "as soon as practicable."

G78096 05 00
VERMONT AMENDMENT RIDER

The certificate to which this rider is attached is amended as follows:
The provisions in the GENERAL CONDITIONS section entitled "Fraud" and "Material Misrepresentation" are deleted in their entirety and substituted with the following therefore:

Concealment, Misrepresentation or Fraud: We will not pay for any loss or damage in any case of: 1. Concealment or misrepresentation of a material fact; or 2. Fraud committed by you at any time and relating to coverage under the group policy.

G14449 07 98
WEST VIRGINIA AMENDMENT RIDER

The certificate to which this rider is attached is amended as follows:
1. The definition of "accident" is amended by deleting the reference to "external".
2. The definition of "injury" is deleted in its entirety and substituted with the following therefore:
"Injury" means accidental bodily injuries sustained by You that are the direct cause, independently of disease, bodily infirmity or other cause of the loss and occur while the insurance is in force."

G78100 08 00
WISCONSIN AMENDMENT RIDER

The certificate to which this rider is attached is amended as follows:
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/or any person to whom We make payment must sign any papers and do whatever is necessary to transfer this right to Us. You and/or any person to whom We make payment agree(s) to cooperate with Us and to do nothing after the loss that will adversely affect Our rights. We will not retain any payments until You have been made whole with regard to any claim payable under this Policy.

There are no other changes to the certificate.

Emergency Assistance Benefit

Description of 24-Hour Emergency Hotline Services for TripProtector

This plan is administered by HTH Administration Services.

Available Services

There are various 24-hour emergency hotline services provided under the TripProtector packages. A description of all 24-hour emergency hotline services offered are contained in this document. 24-hour emergency hotline services are only available to persons whose primary residence is in the United States or Canada.

DESCRIPTION OF 24-HOUR EMERGENCY HOTLINE SERVICES

Assistance Services will be provided by HTH's designated provider.

How to Call the 24-hour Emergency Hotline

If you need emergency help for an available service you can call 24-hours a day. You should have your certificate number, your location, a local telephone number, and details of the situation.

The assistance provider will confirm your enrollment and assist you. If you cannot call collect from your location, dial direct and give the assistance coordinator your telephone number and location and they will call you back.

Seek local help if your emergency is immediate and life threatening, and contact the assistance provider by calling the hotline as soon as reasonably possible. Help services have been included in this program to provide, whenever possible, on-the-spot and immediate assistance for those unexpected problems that can arise during your trip.
There may be times when circumstances beyond the assistance provider's control hinder their endeavors to provide help services; they will, however, make all reasonable efforts to provide services and help resolve your problem.
The assistance provider's staff will do their best to refer you to appropriate providers. However, the assistance provider and HTH Administration Services cannot be held responsible for the quality or results of any services provided by these independent practitioners.

Availability of Services

24-hour hotline services become available when you actually start your trip. Services end the earliest of: midnight on the day the program expires; when you reach your return destination; or when you complete your trip.

Medical referral

If an emergency occurs during a trip that requires you to seek urgent medical advice you should call the 24-hour hotline to obtain the names of local qualified doctors who speak your language. If additional medical services are required, the assistance provider is prepared to consult with the attending physician and provide such assistance as they believe to be in your best interest.

Emergency Cash

If your cash or travelers checks are lost or stolen, or unanticipated emergency expenses are incurred, the assistance provider will, whenever possible, help arrange for an emergency cash transfer in currency, travelers checks, or other form acceptable to the assistance provider. These funds must come from your major credit card(s) or from family and/or friends.

Legal Referral

The assistance provider will provide travelers with access or referrals to the most conveniently located attorneys available during regular working hours. Assistance will also be provided in obtaining bail bonds in those geographical locations where such bonds are customarily issued. You are responsible for contracted legal fees.

Lost Ticket & Passport Assistance

The assistance provider will, whenever possible, provide you with referrals and information to assist in obtaining replacement for lost or stolen travel documents, passports, travel tickets, etc.

Emergency Prescription Refill

The assistance provider will assist you, whenever possible, in obtaining a replacement of an existing prescription when your medication has been lost, stolen, or if you are in need of a refill. The prescription will be refilled by a licensed pharmacist or other authorized personnel in the country in which you are traveling. It will be replaced with the same brand of medication prescribed in the U.S., or the equivalent in the country in which you are traveling. The refill may require a visit to a local physician. You should be prepared to furnish the assistance provider with a copy of your original prescription and/or the name and phone number of your regular attending physician. Replacement medication and visit to a local physician will be at your expense.

Emergency Medical Evacuation Policy Maximum Limit $250,000

Emergency Medical Transportation

Emergency Medical Transportation services are only provided if authorized in advance by the assistance provider.

Failure to comply with the assistance provider's instructions or recommendations related to Emergency Medical Transportation services will result in forfeiture of these services.

Emergency Medical Evacuation

If you are involved in an accident or suffer sudden illness while traveling and the assistance provider determines that adequate medical facilities are not available locally, arrangements will be made for Emergency Evacuation, under appropriate medical supervision by whatever means medically necessary, to the nearest facility capable of providing adequate care.

Emergency Medical Repatriation

If, after medical evaluation and treatment, the assistance provider determines that it is medically necessary that you have extra transport accommodations or assistance to return to your point of departure, arrangements will be made for the necessary additional transportation expenses. This benefit will be provided only if the assistance provider determines that your medical condition will not substantially change within seven (7) days following hospital discharge or completion of treatment, thereby allowing you to complete your trip as originally planned.

Repatriation of Mortal Remains

In the event of your demise, the assistance provider will render every assistance possible to obtain necessary clearances and arrangements will be made for the return of the mortal remains to the city of permanent residence.

Transportation to join disabled traveler

When you are traveling alone and are hospitalized for more than ten (10) days, economy round trip airfare to the place of hospitalization will be provided to a person chosen by you.

Return of Minor Children

If dependent children are left unattended as the result of your accident or illness, arrangements will be made to provide one way economy airfare for them to their place of residence. Qualified attendants will also be provided without charge, when required.

What is Not Provided

Emergency evacuation and repatriation services are not provided for circumstances involving suicide or intentionally self-inflicted harm; normal pregnancy or childbirth; mountain climbing; the commission of unlawful acts by you; drugs, narcotics, or alcohol, unless administered upon the advice of a doctor.

Emergency Medical Evacuation Policy Maximum Limit $250,000

Availability

The policy is available to travelers whose primary residence is in the United States or Canada.

Travel Supplier Restrictions

Effective Date - Sat October 15, 2005

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