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Glossary

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An accident that takes place on a trip that results in death or loss of body parts. The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits if  you are injured in an accident which happens while you are on your trip. The amount of your coverage benefit is shown on the Schedule of Benefits. The Insurer will not pay more than the Principal Sum for all losses due to the same accident.

Coverage for activities considered to be higher risk, like.  Adventure sports cover provides trip interruption, medical evacuation and medical expense benefits for losses caused by many adventure sports activities typically excluded in most general travel insurance plans. These activities include mountaineering , Aviation, hang gliding, skydiving, parachuting, bungee jumping, snow skiing  snowboarding, spelunking, water skiing and jet skiing.

Loss, theft, or damage that occurs to your luggage and travel documents while on your trip. The Insurer will reimburse up to the maximum limit shown on the Schedule of Benefits for loss, theft, or damage to the Insured’s Baggage and travel documents during the Insured’s trip. The Insurer may also protect you from the loss due to unauthorized use of your credit cards.

Having your baggage redirected to a different location or it arrives late to your destination. The insurer may reimburse you up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the insured during the Trip. If your baggage is delayed or misdirected for more than 12 hours from the time the insured arrives at the Destination (other than the your return destination) provided you are a ticketed passenger on a Common Carrier and the delay or misdirection is verified by the Common Carrier.

Coverage for not being able to take your trip for any reason not otherwise covered in a travel insurance plan. If you are  prevented from taking the trip for any reason not otherwise covered by the Policy, the Insurer may reimburse you for up to 75% of the prepaid, forfeited, non-refundable payments or deposits for the insured Trip arrangement(s) up to the Maximum Limit shown on the Schedule of Benefits, provided the conditions are met:

Children under the age of 17 and related to the primary insured are covered at no additional cost. "Immediate Family Member" means the Insured’s or Traveling Companion’s spouse or Domestic Partner, child, spouse’s child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, caregiver, legal ward, or Domestic Partner of any of the above.

A request for payment in accordance with an insurance policy

Services offered in Travel Guard plans that include recommending restaurants and making reservations, purchasing event tickets, etc.The concierge service provides the Insured with these services; Ground Transportation, Tee Time Reservations, Restaurant Referrals and Reservations, Floral Services, and Event Ticketing. This service may be offered via your insurance provider

The length of time that you are traveling and your travel insurance plan can cover you  and your family covered under the Insurance plan

Coverage for an unexpected dental emergency that may occur while traveling that requires visiting a dentist or a hospitalMeans charges incurred for the following service, supplies or treatments.

A medically necessary transportation or evacuation to a medical facilityThe Insurer will pay up to the Maximum Limit shown on the Schedule of Benefits for Covered Emergency Evacuation Expenses incurred if you suffer an Injury or emergency Sickness that warrants  an emergency evacuation while on your Trip provided a Physician has ordered the emergency evacuation and has certified that the severity of the Insured’s Injury or emergency Sickness warrants such evacuation.

Being transported to an adequate medical facility or back home when medically necessary Medical Evacuation — Arrangements for any and all means necessary to transport the Insured back home when medically necessary.

An unexpected medical emergency that may occur while traveling and requires visiting a doctor or a hospital. The Insurer will reimburse the Reasonable and Customary Charges for Medically Necessary Covered Expenses incurred by you due to an Injury or Sickness within one year from the date of Injury or Sickness provided initial treatment was received during the Trip up to the Maximum Limit shown in the Schedule of Benefits.

Any injury or illness you have and sought medical treatment for within 60 days before your travel insurance policy.

The residence at which you mainly live.

Any act of violence that results in loss of life or major damage from a person acting in a way to overthrow a government or gain control of it"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.

Having to cancel your trip due to illness, death, or injury. The Insurer will reimburse you, as described in the Schedule of Benefits, if a Trip is canceled or interrupted for you due to reasons  and conditions elicited in the Schedule of Benefits.

Coverage for airline delay, weather conditions or lost travel documents that result in being delayed more than 12 hours. The Insurer will reimburse up to a certain limit per day to the Maximum Limit shown on the Schedule of Benefits. This benefit is payable for only one delay per traveler, per Trip. Trip Delay must be caused by reasons listed under Schedule of Benefits.

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