Travel Insured - Trip Protector Lite

Policy Price: $1,413.00

Emergency Evacuation & Repatriation of Remains: $100,000 per person


COVERAGE I

EMERGENCY MEDICAL EVACUATION, MEDICAL REPATRIATION AND RETURN OF REMAINS

When You suffer loss of life for any reason or incur a Sickness or Injury during the course of Your Trip, the following benefits are payable, up to the Maximum Benefit Amount shown in the Confirmation of Benefits.

1. Emergency Medical Evacuation: If the local attending Legally Qualified Physician and the authorized travel assistance company determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment.

If You are traveling alone and will be hospitalized for more than 7 consecutive days and Emergency Evacuation is not imminent, benefits will be paid to transport one person, chosen by You, by Economy Transportation, for a single visit to and from Your bedside.

If You are in the Hospital for more than 7 consecutive days and Your dependent children who are under 18 years of age and accompanying You on Your Trip are left unattended, Economy Transportation will be paid to return the dependents to their home (with an attendant, if considered necessary by the authorized travel assistance company).

2. Medical Repatriation: If the local attending Legally Qualified Physician and the authorized travel assistance company determine that it is Medically Necessary for You to return to Your primary place of residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred will be paid for Your return to Your primary place of residence or to a Hospital or medical facility closest to Your primary place of residence capable of providing continued treatment via one of the following methods of transportation, as approved, in writing, by the authorized travel assistance company:

i) one-way Economy Transportation;

ii) commercial air upgrade (to Business or First Class), based on Your condition as recommended by the local attending Legally Qualified Physician and verified in writing by the authorized travel assistance company; or

iii) other covered land or air transportation including, but not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the authorized travel assistance company. Transportation must be via the most direct and economical route.

3. Return of Remains: In the event of Your death during a Trip, the expense incurred will be paid for minimally necessary casket or air tray, preparation and transportation of Your remains to Your primary place of residence in the United States of America or to the place of burial.

Benefits are paid less the value of Your original unused return travel ticket.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

SECTION III. DEFINITIONS

“Accident” means a sudden, unexpected unusual specific event that occurs at an identifiable time and place, and shall also include exposure resulting from a mishap to a conveyance in which You are traveling.

“Actual Cash Value” means current replacement cost for items of like kind and quality.

“Additional Transportation Cost” means the actual cost incurred for one-way Economy Transportation by Common Carrier reduced by the value of an unused travel ticket.

“Air Carrier” means any air conveyance operating under a valid license for the transportation of passengers for hire.

“Baggage and Personal Effects” means luggage, personal possessions and travel documents taken by You on Your Trip.

“Business Partner” means an individual who (a) is involved in a legal general partnership with You and (b) is actively involved in the day to day management of Your business.

“Common Carrier” means any land, sea, or air conveyance operating under a valid license for the transportation of passengers for hire, not including taxicabs or rented, leased or privately owned motor vehicles.

“Complications of Pregnancy” means conditions (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include acute nephritis, nephrosis, cardiac decompensation, missed abortion and similar medical and surgical conditions of comparable severity. Complications of Pregnancy also include nonelective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.

Complications of Pregnancy does not include false labor, occasional spotting, Physician-prescribed rest during the period of pregnancy, morning sickness, hyperemesis gravidarum, preeclampsia and similar conditions associated with the management of a difficult pregnancy not constituting a nosologically distinct complication of pregnancy.

“Confirmation of Benefits” means a written confirmation specifying the coverages and amounts has purchased and which is delivered to following purchase.

“Covered Accident” means an Accident that occurs while coverage is in force and results in a loss for which benefits are payable.

“Domestic Partner means an opposite or same sex partner who, for at least 10 consecutive months, has resided with You and shared financial assets/obligations with You. Both You and the Domestic Partner must: (1) intend to be life partners; (2) be at least the age of consent in the state in which You both reside; and (3) be mentally competent to contract. Neither You nor the Domestic Partner can be related by blood to a degree of closeness that would prohibit a legal marriage, be married to anyone else, or have any other Domestic Partner. The Company may require proof of the Domestic Partner relationship in the form of a signed and completed affidavit of domestic partnership.

“Economy Transportation” means the lowest published available transportation rate for a ticket on a Common Carrier matching the original class of transportation that You purchased for Your Trip.

“Elective Treatment and Procedures” means any medical treatment  or  surgical  procedure  that  is  not  medically necessary, including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by Us to be research or experimental or that is not recognized as a generally accepted medical practice.

“Family Member” means any of the following: Your or Your Traveling Companion’s legal spouse (or common-law spouse where legal), legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew or Domestic Partner.

“Home” means Your primary place of residence.

“Hospital” means (a) a place which is licensed or recognized as a general hospital by the proper authority of the state in which it is located: (b) a place operated for the care and treatment of resident inpatients with a registered graduate nurse (RN) always on duty and with a laboratory and X-ray facility: (c) a place recognized as a general hospital by the Joint Commission on the Accreditation of Hospitals; (d) other than a residence, a place where treatment in a Hyperbaric chamber can be received.  Not included is a hospital or institution licensed or used principally: (1) for the treatment or care of drug addicts or alcoholics: or (2) as a clinic continued or extended care facility, skilled nursing facility, convalescent home, rest home, nursing home or home for the aged.

“Inclement Weather” means any weather condition that delays the scheduled arrival or departure of a Common Carrier.

“Injury” or “Injuries” means bodily harm caused by an Accident which: 1) occurs while Your coverage is in effect under the Policy; and 2) requires examination and treatment by a Legally Qualified 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(s) who is booked to travel on a Trip, and for whom the required premium is paid, also referred to as You and Your.

“Intoxicated” means a blood alcohol level that equals or exceeds the legal limit for operating a motor vehicle in the state or jurisdiction where You are located at the time of an incident.

“Legally Qualified Physician” means a physician: (a) other than You, a Traveling Companion or a Family Member; (b) practicing within the scope of his or her license; and (c) recognized as a physician in the place where the services are rendered.

“Maximum Benefit Amount” means the maximum amount payable for coverage provided to You as shown in the Schedule.

“Medically Necessary” means a service which is appropriate and consistent with the treatment of the condition in accordance with accepted standards of community practice.

“Medical Treatment” means examination and treatment by a Legally Qualified Physician for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted reasonable person to seek diagnosis, care or treatment.

“Natural Disaster” means a flood, hurricane, tornado, earthquake, mudslide, tsunami, avalanche, landslide, volcanic eruption, fire, wildfire or blizzard that is due to natural causes.

“Pre-Existing Condition” means an illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or a Family Member: 1)received  or  received  a  recommendation  for  a  test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.

“Published Penalties” means any published cancellation penalties levied by Your travel agency or travel supplier that apply to all clients of the travel agency or travel supplier and can be documented at time of Your purchase of Travel Arrangements from Your travel agency.

“Scheduled Departure Date” means the date on which You are originally scheduled to leave on Your Trip.

“Scheduled Return Date” means the date on which You are originally scheduled to return to the point of origin or the original final destination of Your Trip.

“Sickness” means an illness or disease of the body which: 1) requires examination and treatment by a Legally Qualified Physician, and 2) commences while Your coverage is in effect.

“Strike” means any organized and legally sanctioned labor disagreement resulting in a stoppage of work: (a) as a result of a combined effort of workers which was unannounced and unpublished at the time travel services were purchased; and (b) which interferes with the normal departure and arrival of a Common Carrier.

“Terrorist Incident” means an act of violence, that is deemed terrorism by the United States Government 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 alone or in association with other persons 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 other government.

“Third Party” means a person or entity other than You or the Company.

“Transportation Expense” means the cost of Medically Necessary conveyance, personnel, services or supplies.

“Travel Arrangements” means: (a) transportation; (b) accommodations; and (c) other specified services arranged by the Travel Supplier for Your Trip. Air arrangements covered by this definition also include any direct round trip air flights booked by others, to and from Your Scheduled Trip Departure and return cities, provided the dates of travel for the air flights are within 7 total days of Your scheduled Trip dates.

“Traveling Companion” means a person or persons whose names appear with Yours on the same Travel Arrangements and who, during Your Trip, will accompany You.

“Travel Supplier” means any entity or organization that coordinates or supplies travel services for You.

“Trip” means a scheduled trip for which coverage for Travel Arrangements is requested and the premium is paid prior to Your actual or Scheduled Departure Date of Your Trip.

“Us”, “We”, “Our” means United States Fire Insurance Company.

“Usual and Customary Charges” means those comparable charges for similar treatment, services and supplies in the geographic area where treatment is performed.

STATE ENDORSEMENTS

The Amendatory Endorsements are attached to and made a part of the Policy issued to the Insured. The provisions of the Amendatory Endorsements are effective on the Effective Date and will expire concurrently with the Policy, unless otherwise terminated.

CALIFORNIA AMENDATORY ENDORSEMENT

The Policy/Certificate are hereby amended for California as follows:

The Domestic Partner, Injury, Medically Necessary, Pre-Existing Condition, Sickness, Terrorist Incident, and Usual and Customary Charges definitions appearing in SECTION III. DEFINITIONS are deleted and replaced as follows:

“Domestic Partner" means a domestic partner as described in CIC § 381.5 and registered with the California Secretary of State.

“Injury” or “Injuries” means bodily harm for which the proximate cause is an Accident which: 1) occurs while Your coverage is in effect under the Policy; and 2) requires examination and treatment by a Legally Qualified Physician.

“Medically Necessarymeans a treatment, service or supply that is:

1) required to treat an Injury;

2) prescribed or ordered by a Legally Qualified Physician or furnished by a Hospital;

3) consistent with the medical and surgical practices generally utilized in the region and country in which the services were received for treatment of the condition at the time rendered.

The fact that a Legally Qualified Physician may prescribe, authorize, or direct a service does not of itself make it Medically Necessary or covered by this Policy.

“Pre-Existing Condition” means an illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You: 1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself through the occurrence of symptoms, had symptoms that worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.

“Sickness” means an illness or disease of the body which: 1) requires examination and treatment by a Legally Qualified Physician, and 2) commences while Your coverage is in effect.

“Terrorist Incident” means an act of violence, that is deemed terrorism by the United States Government 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 alone or in association with other persons 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 other government. The Terrorist Incident must be documented in a Travel Warning issued by the United States' Department of State advising Americans to avoid that certain country.

“Usual and Customary Charges” means the amounts that other providers charge for similar treatment, services and supplies in the country, region and city where treatment is performed.

SECTION III. DEFINITIONS is expanded to include the following:

“Life Threatening Illness or Injury” means bodily harm which: 1) occurs while Your coverage is in effect under the Policy; and 2) requires examination and treatment by a Legally Qualified Physician to treat an illness or injury that, without immediate medical attention may cause You to die.

GEORGIA INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Georgia as follows:

The definition of “Terrorist Incident” appearing in SECTION III DEFINITIONS is deleted and replaced as follows:

“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 alone or in association with other persons on behalf of or in connection with any organization of foreign government which is generally recognized as having the intent to overthrow or influence the control of any other foreign government. The Terrorist Incident must be documented in a Travel Warning issued by the United States' Department of State advising Americans to avoid that certain country.

ILLINOIS INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Illinois as follows:

The last sentence in the definition of “Injury” or “Injuries” appearing in SECTION III. DEFINITIONS is deleted and replaced as follows:

The Injury must be the direct cause of loss and must be independent of disease or bodily infirmity and must not be caused by, or result from, Sickness.

The definition of “Complications of Pregnancy” appearing in SECTION III. DEFINITIONS is deleted and replaced as follows:

“Complications of Pregnancy” means conditions (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include acute nephritis, nephrosis, cardiac decompensation, hyperemesis gravidarum, preeclampsia, missed abortion and similar medical and surgical conditions of comparable severity. Complications of Pregnancy also include nonelective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.

Complications of Pregnancy does not include false labor, occasional spotting, Physician-prescribed rest during the period of pregnancy, morning sickness and similar conditions associated with the management of a difficult pregnancy not constituting a nosologically distinct complication of pregnancy.

Item 1) in the definition of “Pre-Existing Condition” appearing in SECTION III. DEFINITIONS is deleted and replaced as follows:

1) received or received a recommendation for a test, examination, or medical treatment for a condition which manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment;

LOUISIANA INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Louisiana as follows:

1. The definition of Domestic Partner appearing in SECTION III DEFINITIONS is deleted and will not appear.

2. The definition of Family Member appearing in SECTION III DEFINITIONS is deleted and replaced as follows:

“Family Member” means any of the following: Your or Your Traveling Companion’s legal spouse, legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew.

MAINE INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Maine as follows:

All references to “Medically Necessary”, which appear in COVERAGES H and I in SECTION II COVERAGES, in the definition of “Transportation Expense” appearing in SECTION III DEFINITIONS, and the definition of “Medically Necessary” appearing in SECTION III DEFINITIONS, are hereby deleted and will not appear.

The definition of Actual Cash Value in SECTION III DEFINITIONS is deleted and replaced as follows:

“Actual Cash Value” means the replacement cost of an insured item of property at the time of loss, less the value of Physical Depreciation as to the item damaged. As used in this definition, Physical Depreciation means a value as determined according to standard business practices.

MINNESOTA INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Minnesota as follows:

1. All references to “Confirmation of Benefits” are hereby deleted and will not apply.

OKLAHOMA INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Oklahoma as follows:

The second paragraph of the Complications of Pregnancy definition appearing in SECTION III DEFINITIONS is deleted and replaced as follows:

Complications of Pregnancy” does not include false labor, occasional spotting, Physician-prescribed rest during the period of pregnancy, morning sickness, hyperemesis gravidarum and similar conditions associated with the management of a difficult pregnancy not constituting a nosologically distinct complication of pregnancy.

RHODE ISLAND INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Rhode Island as follows:

1. The definition of Family Member in SECTION III DEFINITIONS is deleted and replaced as follows:

“Family Member” means any of the following: Your or Your Traveling Companion’s legal spouse (or common-law spouse where legal), legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew, a person who is a party to a civil union with You as Your dependent and spouse, a person who is a party to a same sex marriage with You as Your dependent and spouse, or Domestic Partner.

TENNESSEE INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Tennessee as follows:

1. The last sentence in the first paragraph of the definition of “Complications of Pregnancy” appearing in SECTION III DEFINITIONS is deleted and replaced as follows:

Complications of Pregnancy also includes pre-eclampsia, nonelective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.

UTAH INDIVIDUAL AMENDATORY ENDORSEMENTS

The Policy is hereby amended for Utah as follows:

The definition of Family Member appearing in SECTION III DEFINITIONS is amended to include a child placed for adoption with the Insured.

The definition of Complications of Pregnancy appearing SECTION III DEFINITIONS is deleted and replaced as follows:

“Complications of Pregnancy” means diseases or conditions the diagnoses of which are distinct from pregnancy but are adversely affected or caused by pregnancy and not associated with a normal pregnancy. These conditions include acute nephritis, nephrosis, cardiac decompensation, ectopic pregnancy which is terminated, a spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible, puerperal infection, eclampsia, pre-eclampsia and toxemia.

Complications of Pregnancy does not include false labor, occasional spotting, Physician-prescribed rest during the period of pregnancy, morning sickness and similar conditions associated with the management of a difficult pregnancy.

The definition of Hospital appearing in SECTION III DEFINITIONS is deleted and replaced as follows:

“Hospital” means a facility that is licensed and operating within the scope of such license. This definition may not preclude the requirement of medical necessity of hospital confinement or other treatment.

VERMONT INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Vermont as follows:

A. The references to “Usual and Customary” appearing in COVERAGES I and J in SECTION II COVERAGES are replaced by “Reasonable and Necessary”.

B. The following definitions appearing in SECTION III DEFINITIONS are revised as follows:

“Usual and Customary” will now appear as “Reasonable and Necessary”;

In “Coinsurance” all references to “Usual and Customary” are replaced with “Reasonable and Necessary”.

WYOMING INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Wyoming as follows:

1. In the definition of Pre-Existing Condition appearing in SECTION III DEFINITIONS, Item 1) is deleted and replaced as follows:

1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, resulting in actual diagnosis, care or treatment received;

SECTION IV. GENERAL EXCLUSIONS AND LIMITATIONS

Benefits are not payable for any loss due to, arising or resulting from:

1. suicide, attempted suicide or any intentionally self- inflicted injury of You, a Traveling Companion, Family Member or Business Partner booked to travel with You, while sane or insane;

2. an act of declared or undeclared war;

3. participating in maneuvers or training exercises of an armed service, except while participating in weekend or summer training for the reserve forces of the United States, including the National Guard;

4. riding or driving in races, or speed or endurance competitions or events;

5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

6. participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in bodily contact sports, skydiving or parachuting except parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, spelunking or caving, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

9. being Intoxicated as defined herein, or under the influence of any controlled substance unless as administered or prescribed by a Legally Qualified Physician;

10. the commission of or attempt to commit a felony or being engaged in an illegal occupation;

11. normal childbirth or pregnancy (except Complications of Pregnancy) or voluntarily induced abortion;

12. dental treatment (except as coverage is otherwise specifically provided herein);

13. amounts which exceed the Maximum Benefit Amount for each coverage as shown in the Confirmation of Benefits;

14. due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or return of remains coverage;

15. any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law;

16. a loss or damage caused by detention, confiscation or destruction by customs;

17. Elective Treatment and Procedures;

18. Complications from Elective Treatment and Procedures otherwise not payable under this Policy;

19. medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;

20. a mental or nervous condition, unless hospitalized for that condition while the Policy is in effect for You;

21. due to loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act and regardless of any other sequence thereto.

EXCESS INSURANCE LIMITATION

The insurance provided by this Policy, except Optional Air Flight Only Accidental Death and Dismemberment, shall be in excess of all other valid and collectible Insurance or indemnity. If at the time of the occurrence of any loss there is other valid and collectible insurance or indemnity in place, the Company shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable deductible. Recovery of losses from other parties does not result in a refund of premium paid.

STATE ENDORSEMENTS

The Amendatory Endorsements are attached to and made a part of the Policy issued to the Insured. The provisions of the Amendatory Endorsements are effective on the Effective Date and will expire concurrently with the Policy, unless otherwise terminated.

CALIFORNIA AMENDATORY ENDORSEMENT

The Policy/Certificate are hereby amended for California as follows:

11. The SECTION IV heading is replace by the following:

SECTION IV. GENERAL EXCLUSIONS AND LIMITATIONS

Benefits are not payable for any loss directly resulting from:

12. The Medically Fit to Travel Exclusion appearing in SECTION IV. GENERAL EXCLUSIONS AND LIMITATIONS is deleted and replaced as follows:

MEDICALLY FIT TO TRAVEL EXCLUSION:

The Company will not pay any expense as a result of You having been advised in writing by a Legally Qualified Physician that You, a Traveling Companion, Family Member or Business Partner booked to travel with You are not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip. If Coverage for a Trip is purchased and it is later determined that You , a Traveling Companion, Family Member or Business Partner booked to travel with You were not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip, the Coverage is void and premium paid will be returned.

CONNECTICUT INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Connecticut as follows:

1. The following Exclusion 9. in SECTION IV GENERAL EXCLUSIONS is deleted and replaced as follows:

9. no indemnity will be paid for loss caused by the 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 the Insured’s Legally Qualified Physician;

2. Exclusion 21. in SECTION IV GENERAL EXCLUSIONS referencing chemical, biological, radiological or similar agents is deleted in its entirety and will not appear.

3. The Excess Insurance provision in SECTION IV GENERAL EXCLUSIONS is deleted and will not appear.

ILLINOIS INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Illinois as follows:

F. The following Exclusions appearing in SECTION IV GENERAL EXCLUSIONS AND LIMITATIONS are deleted in their entirety and will not appear:

4. Races;

5. Mountaineering;

6. Organized sports;

7. Sporting activities;

8. Piloting;

27. Diving

Item 1) in the Pre-Existing Condition Exclusion appearing in SECTION IV GENERAL EXCLUSIONS AND LIMITATIONS is deleted and replaced as follows:

1) received or received a recommendation for a test, examination, or medical treatment for a condition which manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment;

MAINE INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Maine as follows:

The last sentence in the Medically Fit to Travel provision in SECTION IV GENERAL EXCLUSIONS is deleted and replaced as follows:

If Coverage for a Trip is purchased and it is later determined that You, a Traveling Companion, Family Member or Business Partner booked to travel with You were not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip, the Coverage is cancelled for material misrepresentation and premium paid will be returned.

MINNESOTA INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Minnesota as follows:

The following is added to appear as General Exclusion 22. or will appear as the last numbered Exclusion in SECTION IV GENERAL EXCLUSIONS AND LIMITATIONS:

22. Air, water or other pollution, or threat of a pollutant release;

NEBRASKA INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Nebraska as follows:

A. In Exclusion 4. appearing in SECTION IV GENERAL EXCLUSIONS, the reference to “races” is changed to “organized races”.

B. In Exclusion 7. appearing in SECTION IV GENERAL EXCLUSIONS, the reference to “any race” is changed to “any organized race”.

OHIO INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Ohio as follows:

The Excess Insurance provision appearing in SECTION IV GENERAL EXCLUSIONS AND LIMITATIONS is deleted and will not appear.

OKLAHOMA INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Oklahoma as follows:

Exclusion 2. pertaining to war appearing in SECTION IV GENERAL EXCLUSIONS AND LIMITATIONS is deleted and replaced as follows:

2. war or any act of war (whether declared or undeclared) while serving in the military or an auxiliary unit attached to the military or working in an area of war whether voluntarily or as required by an employer.

The last sentence in the Medically Fit to Travel Exclusion provision appearing in SECTION IV GENERAL EXCLUSIONS AND LIMITATIONS is deleted and replaced as follows:

If Coverage for a Trip is purchased and it is later determined that You, a Traveling Companion, Family Member or Business Partner booked to travel with You were not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip, the Coverage is cancelled and premium paid will be returned.

SOUTH DAKOTA INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for South Dakota as follows:

1. The following Exclusion 9. appearing in SECTION IV GENERAL EXCLUSIONS AND LIMITATIONS is deleted in its entirety:

9. being intoxicated as defined herein, or under the influence of any controlled substance unless administered or prescribed by a Legally Qualified Physician”;

2. Exclusion 15. appearing in SECTION IV GENERAL EXCLUSIONS AND LIMITATIONS is deleted and replaced as follows:

15. any amount paid under any Worker’s Compensation, Disability Benefit or similar law;

UTAH INDIVIDUAL AMENDATORY ENDORSEMENTS

The Policy is hereby amended for Utah as follows:

5. Exclusion 10. appearing SECTION IV GENERAL EXCLUSIONS AND LIMITATIONS is deleted and replaced as follows:

10. the voluntary commission of or attempt to commit a felony or being voluntarily engaged in an illegal occupation;

6. The last sentence in the MEDICALLY FIT TO TRAVEL EXCLUSION appearing SECTION IV GENERAL EXCLUSIONS AND LIMITATIONS is deleted and replaced as follows:

If Coverage for a Trip is purchased and it is later determined that You, a Traveling Companion, Family Member or Business Partner booked to travel with You were not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip, the Coverage is cancelled and premium paid will be returned.

VERMONT INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Vermont as follows:

The following exclusions appearing in SECTION IV GENERAL EXCLUSIONS AND LIMITATIONS are deleted and/or deleted and replaced or amended as follows:

4. riding or driving in races, or speed or endurance competitions or events, when racing in a professional capacity;

5. deleted in its entirety (relating to mountaineering);

7. participating in bodily contact sports parachuting except parasailing, extreme skiing, skiing outside marked trails or heli-skiing, any race in a professional capacity, speed contests not including any of the regatta races, spelunking or caving;

20. deleted in its entirety (relating to mental or nervous condition);

21. deleted in its entirety (relating to device, weapon, material employing chemical, biological, radiological);

WYOMING INDIVIDUAL AMENDATORY ENDORSEMENT

The Policy is hereby amended for Wyoming as follows:

In the Pre-Existing Condition Exclusion provision appearing in SECTION IV GENERAL EXCLUSIONS, Item 1) is deleted and replaced as follows:

1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, resulting in actual diagnosis, care or treatment received;

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