| Voyager Annual Insurance The Travel Insurance Solution for the Frequent Traveler Details |
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DESCRIPTION OF COVERAGES MEDICAL BENEFITS (Only for Plus and Elite) When a covered injury or illness results, the Company will pay:
*The policy will pay 100%for covered medical expenses incurred up to a maximum amount on the Schedule of Confirmation per incident ($100,000 maximum for ages 70-75, or $5,000 for ages 76+). Covered Expenses For the purpose of this section, only such expenses of which the first expense must be incurred within 30 days of the commencement of covered Injury or Illness, and which are specifically enumerated in the following list of charges and which are not excluded in the Exclusions Section, shall be considered covered expenses:
The charges enumerated above shall in no event include any amount of such charges which are in excess of reasonable and customary charges. A charge incurred by an Insured Person shall be deemed a reasonable and customary charge for the services and supplies for which the charge is made if it is not in excess of the average charge for such services and supplies in the locality where received, considering the nature and severity of the Illness or bodily Injury in connection with which such services and supplies are received. If the charge incurred is in excess of such average charge, such excess amount shall not be recognized as Covered Expenses. All charges shall be deemed to be incurred on the date such services or supplies which give rise to the expense or charge are rendered or obtained. The Company will pay benefits for covered expenses incurred while outside a 100 mile radius from his/her place of permanent U.S. residence up to a maximum stated in the Schedule of Confirmation if any Injury or Illness commencing during the course of a trip results in the necessary emergency medical evacuation of the Insured Person. Emergency Medical Evacuation means: (a) the Insured Person’s medical condition warrants immediate transportation from the place where the Insured Person is injured or ill to the nearest Hospital where appropriate medical treatment can be obtained; or (b) after being treated at a local Hospital, the Insured Person’s medical condition warrants transportation to his/her place of permanent U.S. residence to obtain further medical treatment or to recover; or (c) both a) and b) above. Covered Expenses are expenses, up to the maximum, for transportation, medical services and medical supplies necessarily incurred in connection with emergency medical evacuation of the Insured Person. All transportation arrangements made for evacuating the Insured Person must be: (a) by the most direct and economical route; (b) subject to prior approval of the Company; and (c) arranged by AIGAssist. (See Section on Emergency Medical Assistance Service.) Expenses for special transportation must be (a) recommended by the attending Physician or (b) required by the standard regulations of the conveyance transporting the Insured Person. Expenses for medical supplies and services must be recommended by the attending Physician. Transportation means any land, water or air conveyance required to transport the Insured Person during an emergency medical evacuation. Special transportation includes, but is not limited to air ambulance, land ambulance, and private motor vehicles. ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) The Company shall pay an indemnity determined from the Table of Losses if an Insured Person sustains a loss stated therein resulting from Injury, provided that: (1) Such loss occurs within 365 days after the date of accident causing such loss; (2) the indemnity payable for any such loss shall be the amount stated opposite such loss in said Table, and the Principal Sum stated therein shall be the amount stated as AD&D in the Schedule of Confirmation, as applicable to such person and this Coverage; and (3) if more than one loss stated in said Table is sustained as the result of one accident, only one of the amounts so stated in said Table, the largest, shall be payable. Table of Losses
The term “Loss” as used herein shall mean with regard to hands and feet, actual severance through or above wrist or ankle joints, and with regard to eyes, entire irrecoverable loss of sight. “Loss” of hearing in an ear means total and irrecoverable loss of the entire ability to hear in that ear. “Loss” of speech means total and irrecoverable loss of the entire ability to speak. The term “Member” means hand, foot or eye. Only one amount, the largest to which you are entitled, will be paid for all losses resulting from one accident. The Company will pay the reasonable covered expenses incurred to return the Insured Person’s body home (to his/her place of permanent residence) if the Insured Person dies, not to exceed the maximum stated in the Schedule of Confirmation. Covered expenses include, but are not limited to, expenses for embalming, cremation, coffins, and transportation. All arrangements must be made by AIGAssist. The Company will pay the cost of a round-trip economy airline ticket to bring one person chosen by the Insured to and from the hospital or other medical facility where the Insured is confined when, in the opinion of a medical practitioner acceptable to the Company, such a visit is necessary due to a bodily Injury or Illness which constitutes an immediate danger to life. AIGAssist must make all arrangements and must authorize all expenses in advance for any benefits under this Policy to be payable. The Company will pay benefits if an Insured’s Checked Baggage is lost due to theft or misdirection by a Common Carrier while the Insured is a ticketed passenger on the Common Carrier during the Trip. The Company will reimburse the Insured, up to the maximum shown in the Schedule, for the cost of replacement of the baggage and its contents. All claims must be verified by the Common Carrier. There is a combined maximum limit of $250 for the following: jewelry, watches, articles consisting in whole or in part of silver, gold or platinum, furs, articles trimmed with or made mostly of fur, and cameras, including related camera equipment and electronic equipment. Benefits for baggage and personal effects will be in excess of any amount paid or payable by the Common Carrier responsible for the loss. Benefits for baggage and personal effects will be in excess of all other valid and collectible insurance. If at the time of the occurrence of any loss there is other valid and collectible insurance in place, the Company will be liable only for the excess of the amount of loss, over the amount of such other insurance. Exclusions: Benefits will not be provided for any loss of: animals; automobiles or automobile equipment; boats; motors; motorcycles; other conveyances or their appurtenances (except bicycles while checked as baggage with a Common Carrier); household furniture; eye glasses or contact lenses; artificial teeth or dental bridges; hearing aids; prosthetic limbs; musical instruments; money or securities; tickets or documents; or sporting equipment if loss or damage results from the use thereof. The Company will reimburse the Insured for the expense of necessary personal effects, up to the maximum shown in the Schedule of Confirmation if the Insured’s Checked Baggage is delayed or misdirected by a Common Carrier for more than 24 hours from the time the Insured arrives at the destination stated on the Insured’s ticket (other than the Insured’s final destination) until the time it arrives. The Insured must be a ticketed passenger on a Common Carrier. Additionally, all claims must be verified by the Common Carrier who must certify the delay or misdirection. The Company will pay benefits for Trip Delay, subject to the maximum shown in the Schedule of this Confirmation, if the Insured’s Trip is delayed for 24 or more hours due to a Covered Hazard. If the Insured’s Trip is delayed due to a covered hazard, the Company will reimburse the Insured for:
Covered Hazards:
Equipment Failure – means any sudden, unforeseen breakdown in the Common Carrier’s equipment that caused the delay or interruption of normal trips. Inclement Weather – means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier. Reasonable Additional Expenses – means any expense for meals and lodging which are necessarily incurred as the result of a Covered Hazard and which were not provided by the Common Carrier or any other party free of charge. OPTIONAL BENEFIT: HAZARDOUS ACTIVITY COVERAGE If the optional benefit is selected and the premium paid in advance of the Period of Coverage, Medical Expense Coverage will be provided for the following hazardous activities: motorcycle driving, skiing, mountain climbing, sky diving and amateur racing. For Medical Expenses, this insurance does not cover expenses incurred:
For Accidental Death and Dismemberment Indemnity, the Policy does not cover any loss, fatal or non-fatal, caused by or resulting from:
For Medical Evacuation and Repatriation of Remains Expense, this Policy does not cover any loss, fatal or nonfatal, caused by 1, 2, 3, or 6 above. All coverages, except Accidental Death and Dismemberment, shall be in excess of all other valid and collectible insurance indemnity and shall apply only when such benefits are exhausted. 1. NOTICE OF CLAIM: Written notice of claim must be given to the Company within twenty (20) 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 claimant to the Administration Office of the Company, or to any authorized agent of the Company, with information sufficient to identify the Insured Person shall be deemed notice to the Company. 2. CLAIM FORMS: The Company, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proof of loss. If such forms are not furnished within fifteen (15) days after the giving of such notice, the claimant shall be deemed to have complied with the requirements of the Policy as to proof of loss upon submitting, within the time fixed in the Policy for filing proof of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made. 3. PROOFS OF LOSS: Written proof of loss must be furnished to the Company at its said office in case of claim for loss for which the policy provides any periodic payment contingent upon continuing loss within ninety (90) days after the termination of the period for which the Company is liable and in case of a claim for any other loss within ninety (90) days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate or 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. 4. TIME OF PAYMENT OF CLAIMS: 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. Subject to due written proof of loss, all accrued indemnities for loss for which the Policy provides periodic payment will be paid at the expiration of each four weeks during the continuance of the period for which the Company is liable, and any balance remaining unpaid upon the termination of liability will be immediately paid upon receipt of due written proof. 5. PAYMENT OF CLAIMS: 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 Person. Any other accrued indemnities unpaid at the Insured Person’s death may, at the option of the Company, be paid either to such Beneficiary or to such estate. All other indemnities will be payable to the Insured Person. If any indemnity of the Policy shall be payable to the estate of an Insured Person, or an Insured Person who is a minor or otherwise not competent to give a valid release, the Company may pay such indemnity, up to an amount not exceeding $1,000, to any relative by blood or connection by marriage of the Insured Person who is deemed by the Company to be equitably entitled thereto. Any payment made by the Company in good faith pursuant to this provision shall fully discharge the Company to the extent of such payment. Subject to any written direction of the Insured Person, all or a portion of any indemnities provided by the Policy on account of Hospital, nursing, medical or surgical service may, at the Company’s option and unless the Insured Person requests otherwise in writing no later than the time for filing proof of such loss, be paid directly to the Hospital or person rendering such services, but it is not required that the service be rendered by a particular hospital or person. 6. PHYSICAL EXAMINATION AND AUTOPSY: The Company at its own expense shall have the right and opportunity to examine the person of any individual whose Injury or Illness is the basis of claim when and as often as it may reasonably require during the pendency of a claim hereunder and to make an autopsy in case of death, where it is not forbidden by law. 7. LEGAL ACTIONS: No actions at law or in equity shall be brought to recover on the Policy prior to the expiration of sixty (60) days after written proof of loss has been furnished in accordance with requirements of the Policy. No such action shall be brought after expiration of three years after the time written proof of loss is required to be furnished. This Confirmation of Insurance is presented for general information purposes and is not intended to replace the Master Policy on file with Travel Insurance Services and The Insurance Company of the State of Pennsylvania. In the event of a conflict between this Confirmation and the Master Policy, the Master Policy will govern.
ESSENTIAL INFORMATION EMERGENCY TRAVELERS ASSISTANCE SERVICES
EMERGENCY MEDICAL ASSISTANCE SERVICE TO OBTAIN ASSISTANCE IN THE EVENT OF A MEDICAL EMERGENCY OR TO FACILITATE MEDICAL CARE, contact the insurance company’s 24-hour assistance service, AIGAssist, located in Houston, Texas. AIGAssist can recommend a local doctor or hospital, verify coverage, organize all emergency medical transportations, and provide multilingual assistance. Call toll free in the U.S. and Canada 1-800-626-2427 or call 1-713-267-2525. If outside the U.S. call collect 0-713-267-2525. Identify yourself as a Voyager insured and refer to the Policy Number 9109334 and AIGAssist numbers 1294. ALL EMERGENCY MEDICAL EVACUATIONS, BEDSIDE VISITATIONS AND REPATRIATIONS ARE TO BE ARRANGED BY AIGAssist. Provides 24-hour assistance for emergency travel arrangements by a certified travel agent, to help you make emergency travel changes, such as rebooking flights, making hotel reservations, tracking lost luggage, and replacing lost credit cards. Also provides the following:
The above services provided by the Worldwide Assistance Center are non-insurance services through AIG Travel Assist. You will need to save copies of all receipts. All itemized bills must be submitted to the Insurance Company with a Claim Form. To request a claim form, please contact: American International Companies, Accident & Health Claims, Travel Insurance Services Claims Unit, P.O. Box 15701, Wilmington, Delaware;19850-5701 or call toll free in the U.S. and Canada 1-800-551-0824. If outside the U.S. and Canada call 302-661-4176. Written notice of a claim must be made to the Claims Unit within twenty (20) days after the occurrence or commencement of any loss covered by the Policy, or as soon thereafter as is reasonably possible. DESCRIPTION OF CLASS: U.S. residents traveling inside the U.S. and all U.S. residents while traveling outside the U.S. and their country of citizenship if they are not a U.S. citizen. EXCESS BENEFITS: All coverages, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance indemnity and shall apply only when such benefits are exhausted. Insured Person(s) – An Insured person(s) means an eligible person who is covered under the Class of Insured Persons and for whom the appropriate premium has been paid. Injury – Injury means bodily injury caused solely and directly by violent, accidental, external and visible means occurring while the policy is in force and resulting directly and independently of all other causes in loss covered by the policy. Illness – Illness means a sickness or disease of any kind contracted and commencing after the effective date of the policy and causing loss covered by the policy. Hospital – Hospital (other than an institution for the aged, chronically ill or convalescent, resting or nursing homes) means a place that operates pursuant to law for the care and treatment of sick or injured persons with organized facilities for diagnosis and surgery and having 24 hour nursing services and medical supervision. Physician – Physician means a doctor of medicine or a doctor of osteopathy licensed to render medical services or perform surgery in accordance with the laws of the state where such professional services are performed; however, such definition will exclude chiropractors and physiotherapists. Common Carrier – means any land, water or air conveyance operated under a license for the transportation of passengers for hire. Checked Baggage – means a piece of baggage for which a claim check has been issued to the Insured by a Common Carrier. Covers unlimited number of trips with a maximum of 90 consecutive travel days on any one trip and while outside a 100 miles radius from his/her permanent U.S. residence. Coverage will end twelve (12) months after the effective date of coverage for which premium has been paid. The following are eligible to enroll in the Voyager Insurance plan:
Refund of premium, less a $20 processing fee, will only be allowed if a written request and your Confirmation of Insurance are received by Travel Insurance Services prior to the effective date of coverage. Once coverage is effective, the premium is considered fully earned and non-refundable.
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