Insurance Policy Details

Notice to State of Washington Residents: This is not your insurance policy. To obtain your state-specific insurance policy visit www.insureamerica.com, or call 1-715-345-0860.

DESCRIPTION OF COVERAGE

This is an annual travel insurance program which provides coverage for all Tours taken and completed within 365 days of the date premium is paid. The maximums shown below are aggregate amounts which will dimish in value per paid claim during the insurance period.

Schedule of Benefits
TripPlus Adventure Program

Maximum Limit
$1,000	Trip Cancellation & Interruption
$500	Travel Delay
$2,500	Lost, Stolen, or Damaged Baggage & Personal Effects
$500	Travel Document Replacement
$500	Baggage Delay
$75,000	Accident Medical Expense
$500 per day	Sickness Medical Expense (up to 61 days)
$1,000,000	Emergency Medical Transportation
$75,000	Repatriation of Remains
$20,000	Accidental Death & Dismemberment - Air Only
$5,000	Accidental Death & Dismemberment - All Other
Included	TRAVEL GUARD® Assist
Included	LiveTravel
Included	Concierge Services

IMPORTANT — Exclusions apply to certain medical conditions.

For coverage questions or to request a claim form, call toll-free 1-866-690-6864. For emergency help while on your Tour, see the information and phone numbers within the policy.

Blanket Travel Accident Insurance

This document describes the benefits and basic provisions of the policy. You should read it with care so you will understand the coverage. The policy is the only contract under which benefits are paid.

PLEASE READ THIS DOCUMENT CAREFULLY

Insurance Coverage

Underwritten by the National Union Fire Insurance Company of Pittsburgh, PA, a member of the AIG Companies®, with its principal place of business at 70 Pine Street, New York, New York 10270. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445.

This is only a brief description of the insurance coverage(s) available under policy series T30253NUFIC. The Policy contains reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between the Policy and this Description of Coverage, the Policy shall govern.

Coverage may not be available in all states.

Coverage is valid only if premium has been paid.

PRODUCT NUMBER: 007991 P4 9/06
IIn the event of a claim, please refer to the above Product Number.

DEFINITIONS

"Actual Cash Value" means purchase price less depreciation.

"Baggage" means luggage and personal possessions, whether owned, borrowed, or rented, taken by the Insured on the Trip.

"Business Partner" means an individual who: (a) is involved with the Insured or the Insured's Traveling Companion in a legal partnership; and (b) is actively involved in the daily management of the business.

"Common Carrier" means any conveyance operated under a license for the transportation of passengers for hire.

"Complication of Pregnancy" means a condition whose diagnosis is distinct from pregnancy but adversly affected or caused by pregnancy. It does not include any condition associated with the management of a difficult pregnancy no consisting of a classifiable distinct Complication of Pregnancy.

"Contracted Departure Date" means the date on which the Insured is originally scheduled to leave on his/her Trip.

"Contracted Return Date" means the date on which the Insured is scheduled to return to the point where the Trip started, or to a different specified Return Destination.

"Default" means any failure of a provider of travel-related services (iincluding any tour operator) to provide the bargained-for travel services or to refund money due the Insured.

"Destination" means the place where the Insured expects to travel on his/her Trip, as shown on the Enrollment Form.

"Domestic Partner" means an opposite or a same-sex partner who is at least 18 years of age and has met all of the following requirements for at least 6 months: (1) resides iwth Insured; (2) shares financial assets and obligations with the Insured; the Insurer may require proof of the Domestic Partner relationship in the form of a signed and completed Affidavit of Domestic Partnership.

"Experimental or Investigative" means treatment, a device or prescription medication which is recommended by a Physician, but is not considered by the medical community as a whole to be safe and effective for the condition for which the treatment, device or prescription medication is being used, including any treatment, procedure, facility, equipment, drugs, drug usage, devices, or supplies not recognized as accepted medical practice, and any of those itmes requiring federal or other governmental agency approval not received at thetime services are rendered.

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

"Hosptical" means a place that: (a) holds a valid license; (b) is run mainly for the care and treatment of sick or injured persons as inpatients; (c) has a staff of one or more Physicians available at all times; (d) provides 24-hour nursing service and has at least one registered nurse on duty at all times; (e) has organized diagnostic and surgical facilities, either on the premises or on a contract basis with another Hospital; and (f) is not mainly a clinci, or facility for nursing, rest or convalescence, a place for the aged, or any military or veterans hospital or soldiers home or any hospital contracted for or operated by any national government or government agency for the treatment of members or ex-members of the armed forces.

"Immediate Family Member" means the Insured's or Traveling Companion's spouse, 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, or legal ward.

"Inclement Weather" means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.

"Injury" means a bodily injury caused by an accident occurring while this Policy is in force as to the insured whose injury is the basis of a claim, and resulting directly and independently of all other causes of loss covered by the Policy. The injury must be verified by a Physician.

"Insured" means the person named on the individual Enrollment Form.

"Medically Necessary" means tht a treatment, service, or supply: (1) is essential for diagnosis, treatment, or care of the Inquiry or Sickness for which it is prescribed or performed; (2) meets generally accepted standards of medical practice; (3) is ordered by a Physician and performed under his or her care, supervision, or order; and (4) is not primarily for the convenience of the Insured, Physician, other providers, or any other person.

"Natural Disaster" means a flood, hurricane, tornado, earthquake, or blizzard that is due to natural causes.

"Physician" means a licensed practitioner of the healing arts including accredited Christian Science Practitioners, acting within the scope of his/her license. The treating Physician may not be the Insured, Immediate Family Member, or a Traveling Companion.

"Reasonable Additional Expenses" means any expenses for meals and lodging which were necessarily incurred as the result of a Trip Interruption or Travel Delay and which are not provided by the Common Carrier or any other party free of charge.

"Reasonable and Customary Charges" means an expense which: (a) is charged for treatment, supplies, or medical services Medically Necessary to treat the Insured's condition; (b) does not exceed the ususal level of charges for similar treatment, supplies or medical services in the locality where the expense is incurred; and (c) does not include charges that would not have been made if no insurance existed. In no event will the Reasonable and Customary Charges exceed the actual amount charged.

"Return Destination" means the place to which the Insured expects to return from his/her Trip.

"Sickness" means an illness or disease diagnosed or treated treatment by a Physician.

"Strike" means a stoppage of work (a) announced, organized, and sanctioned by a labor union and (b) which interferes with the normal departure and arrival of a Common Carrier. Included in the definition of Strike are work slowdowns and sickouts.

"Terrorist Incident" means the travel agent, tour operator, or other entity from which the Insured purchases his/her coverage or travel arrangements, and includes all officers, employees, and affiliates of the Travel Agent or tour operator.

"Traveling Companion" menas a person or persons with whom you have coordinated travel arrangements and intend to travel with during the Trip. A group or tour leader is not considered a Traveling Companion, unless you are sharing room accommodations with the group or toour leader.

"Trip" means a period of roun-Trip travel away from home to a Destination outside the Insured's 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 the Insured appliers; the Trip does not exceed 365 days; and the Insured's Destination is not to another home.

INDIVIDUAL ELIGIBILITY, EFFECTIVE & TERMINATION DATES

Eligibility: Persons eligible for insurance under the policy are any individuals who have or willpurchase travel arrangements from a travel supplier or arranger.

Effective Date: Insurance will become effective at 12:01 a.m. on the day after the premium has been paid.

Coverage from Trip Cancellation coverage, if applicable, will be effective at 12:01 a.m. on the day a Trip is booked. All other coverages will begin on the later of: (a) the date and time the Insured starts a Trip; or (b) the Contracted Departure Date provided the Trip is within the insurance coverage period.

Termination Date: An Insured's insurance terminates 365 days following the Insured's insurance effective date. Trip Cancellation Coverage, if applicable, ends on the earlier of: (a) the date a Trip is completed; (b) the Contracted Return Date for a Trip; (c) the Insured's arrival at the Return Destination on a round-Trip, or the Destination on a one-way Trip; (d) the date a Trip is cancelled.

GENERAL EXCLUSIONS

These exclusions apply to all benefits (unless otherwise specified). In addition to any exclusions which apply to a particular benefit (called "Additional Exclusions"), the policy does not cover loss caused by:

(a) intentionally self-inflicted Injury or any attempt at an intentionally self-inflicted Injury, suicide, or attempted suicide by the Insured, Immediate Family Member, Traveling Companion or Business Partner; (while sane, in Colorado and Missouri);

(b) pregnancy or childbirth, or elective abortion, other than the Complications of Pregnancy (does not apply to sickness medical coverage);

(c) participation in professional athletic events, motor sport, or motor racing, including training or practice for the same (does not apply to Emergency Medical Expense or Accidental Death and Dismemberement);

(d) mountain climbing (does not apply to sickness medical coverage);

(e) war or act of war, whether declared or not, civil disturbance, riot, or insurrection;

(f) operating or learning to operate any aircraft, as student, pilot, or crew (does not apply to sickness medical coverage);

(g) air travel on any air-supported device, other than a regularly scheduled airline or air charter company (does not apply to sickness medical or accident medical coverages);

(h) loss or damage caused by detention, confiscation, or destruction by customs (only applies to Travel Delay and Baggage and Personal Effects coverages);

(i) any unlawful acts, committed by the Insured, Immediate Family Member, or a Traveling Companion, whether insured or not (does not apply to sickness medical coverage);

(j) mental, psychological or nervous disorders including, but ntliieo , anxiety, depression, neurosis or psychosis;

(k) if the Insured's tickets do not contain specific travel dates (open tickets) (does not apply to sickness medical, accident medical and accidental death and dismemberment coverages);

(l) alcohol or substance abuse or treatment for same;

(m) medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment or travling expressly for the purpose of obtaining medical tratment (does not apply to accidental death and dismemberment coverage);

(n) elective or non-emergency treatment or surgery, except for any necessary treatment or surgery due to covered Injury or Sickness (does not apply to accidental death and dismemberment or emergency medical transportation coverages);

(o) Experimental or Investigative treatment or procedures (does not apply to Trip Cancellation, Trip Interruption or Travel Delay coverages); or

(p) an Injury or Sickness which occurs at a time when this coverage is not in effect (does not apply to Trip Cancellation / Interruption or Travel Delay coverages); or

(q) full-time active duty in the armed forces, National Guard or organized reserve corps of any country or international authority. (Unearned premium for any period for which the Insured is not covered due to his or her active duty status will be refunded.) (Loss caused while on short-term National Guard or reserve duty for regularly scheduled training purposes is not excluded).

MAXIMUM LIMIT OF LIABILITY: All limites are applied per Trip. The Insurer's maximum limit of liability resulting from the same occurrence will be $10,000,000 under the Travel Guard Program Policies (TGP Policies). If loss for all Insureds from such an occurrence exceeds $10,000,000 the Insurer will pay each Insured that proportion of the Benefits stated which $10,000,000 bears to the total loss of all persons the Insurer insures under all travel and flight insurancrance in forces, under the TGP Policies. The Insurer will pay no more than $1,000,000 per occurrence, under the TGP Policies, to or on account of any person insured under the TGP Policies.

TRIP CANCELLATION AND INTERRUPTION

The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits. If a Trip is cancelled or interrupted for the Insured due to any of the following unforeseen circumstances: (a) Sickness, Injury or death of an Insured, Immediate Family Member, or Travling Companion. The severity or acuteness of his or her condition or the circumstances surrounding that condition is/are such that an ordinarily prudent person must cancel the Trip. Death must occur within 30 days of the Insured's Contracted Departure Date; (b) Financial Default of an airline, cruise line, or tour operator resulting in the complete cessation of services. Excluded is the organization from which the Insured purchased his/her Trip and this coverage. Financial Default occurring on or before the Insured's coverage effective date will not be covered; or (c) a Terrorist Incident in a City listed on the Insured's itinerary within 30 days of the Insured's scheduled arrival. "City" means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas or airspace.

Trip Cancellation Benefits: The Insurer will reimburse this benefit up to the Maximum Limit shown on the Schedule of Benefits for Trips that are cancelled before the scheduled Contracted Departure Date due to the reasons shown at the beginning of this section.

The Insurer will reimburse for the following: (a) forfeited, non-refundable prepaid deposits or payments, or unused prepaid payments or deposits; (b) the charge for a single supplement if the Insured's Traveling Companion or traveliing Immediate Family Member's Trip is cancelled but the Insured's is not.

Trip Interruption Benefits: The Insurer will reimburse this benefit up to the Maximum Limit shown on the Schedule of Benefits for Trips that have been interrupted or delayed due to the reasons shown at the beginning of this section.

The Insurer will reimburse for the following:

(a) forfeited, non-refundable, unsused prepaid payments, made prior to you Contracted Departure Date; or

(b) additional transportation expenses incurred by the Insured, either (i) to the Return Destination; or (ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or

(c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the Contracted Departure Date.

However, the benefit payable under (b) and (c) above will not exceed the cost of economy airfare (or first class if the Insured's original tickets were first class) by the most direct route, less any refunds paid or payable;

(d) the Insured's additional cost as a result of a change in the per-person occupancy rate for prepaid travel arrangements if a Travling Companion's Trip is interrupted, and the Insured's Trip is continued.

The Insured Must: Contact LiveTravel (1-866-690-6864) as soon as he'she knows the Trip is going to be cancelled or interrupted. Failure to do so may affect coverage.

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

(i) carrier-caused delays including an announced, organized, sanctioned labor union Strike that affects public transportation, unless the Insured's coverage effective date is prior to when the Strike is foreseeable. A Strike is foreseeable on the date labor union members vote to approve a Strike, except as provided elsewhere in the policy; (ii) travel arrangements cancelled by an airline, cruise line, or tour operator, except as provided elsewhere in the policy; (iii) changes by the Insured, an Immediate Family Member, or Travling Companion, for any reason; (iv) financial circumstances of the Insured, an Immediate Family Member, or a Traveling Companion; (v) any business or contractual obligations of the Insured, an Immediate Family Member, or Traveling Companion, for any reason; (vi) Default by the person, agency, or tour operator from whom the Insured bought his/her coverage or purchased his/her travel arrangements; (vii) any government regulation or prohibition; (viii) an event which occurs prior to the Insured's coverage Effective Date; (ix) failure of any tour operator, Common Carrier, person or agency to provide the bargained-for travel arrangements.

The Insured's Duties in the Event of Loss:

The Insured must provide the Insurer documentation of the cancellation or interruption and proof of the expenses incurred. The Insured must provide proof of payment for the Trip such as canceled check or credit card statements, proof of refunds received, copies of applicable tour operator or Common Carrier cancellation policies, 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. The Insured must provide the Insurer with all unused air, rail, cruise, or other tickets if he/she is claiming the value of those unused tickets.

TRAVEL DELAY

The Insurer will reimburse up to $100 a day to the Maximum Limit shown on the Schedule of Benefits if the Insured's Trip is delayed for more than 12 hours for Reasonable Additional Expenses until travel becomes possible. Incurred expenses must be accompanied by receipts. This benefit is payable for only one delay per Insured, per Trip. Travel Delay must be caused by: (a) the Insured being involved in a traffic accident while en route to a departure; or (b) carrier-caused delay; (c) lost or stolen passports, travel documents, or money; or (d) quarantine; (e) being hijacked; (f) Strike; (g) Inclement Weather which prohibits Common Carrier departure; or (h) Natural Disaster. Payments for Reasonable Additional Expenses will not exceed $100 per day per individual, up to the Maximum Limit of Coverage.

The Insured Must: Contact LiveTravel (1-866-690-6864) as soon as he/she knows his/her Trip is going to be delayed more than 12 hours. Failure to do so may affect coverage.

BAGGAGE AND PERSONAL EFFECTS

The Insurer will reimburse this benefit, up to the Maximum Limit shown on the Schedule of Benefits. The Insurer will pay for loss, theft, or damage to the Insured's Baggage, passports, and visas during the Insured's Trip. There is a maximum of $4,000 per traveling group.

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

Property Not Covered: The Insurer will not pay for damage or loss of:

(a) animals;

(b) bicycles (except when checked with a Common Carrier);

(d) artificial limbs, false teeth, any type of eyeglasses, sunglasses, contact lenses, or hearing aids;

(e) 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);

(f) money, stamps, stocks and bonds, postal or money orders;

(g) property shipped as freight, or shipped prior to the Contracted Departure Date; or

(h) contraband.

Special Limitation: The Insurer will not pay more than $1,000 for the first item and thereafter, no more than $500 per item up to the limit of coverage as defined on the Schedule of Benefits. The Insurer will not pay more than $500 aggregate on all losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, sporting equipment, computers, and other electronic devices. Items over $150 must be accompanied by original receipts. If receipts are not provided, benefits will be reduced.

Additional Exclusions: In addition to the General Exclusions, the Insurer will not pay this loss due to: (a) defective materials or craftsmanship; (b) normal wear and tear; (c) deterioration; or (d) rodents, animals, or insects.

Payment of Loss: The Insured Must: (a) report theft losses to police or other local authorities as soon as possible; (b) take reasonable steps to protect his/her Baggage from further damage and make necessary and reasonable temporary repairs. The Insurer will reimburse the Insured for those expenses. The Insurer will not pay for further damange if the Insured fails to protect his/her Baggage; (c) allow the Insurer to examine the damaged Baggage and/or the Insurer may require the damaged item to be sent in the event of payment; (d) send sworn proof of loss as soon as possible from date of loss, providing amount of loss, date, time, and cause of loss, and a complete list of damaged/lost items; or (e) in the event of theft or unauthorized use of the Insured's credit cards, the Insured must notify the credit card company immediately to reduce his/her loss. Any items $150 or more must be accompanied by the original receipt.

Benefits for Baggage and Persaonl Effects will be the excess of any amount paid or payable by a common carrier or other third party responsible for the loss.

TRAVEL DOCUMENT REPLACEMENT

The Insurer will reimburse for fees associated with the replacement of the Insureds travel documents during an Insured's Trip. Receipts are required for reimbursement.

BAGGAGE EQUIPMENT DELAY

The Insurer will reimburse 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 the Insured's Baggage is delayed or misdirected for more than 24 hours. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured reaches his/her Return Destination.

Payment of Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the emergency purchases.

MEDICAL EXPENSE BENEFIT

The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefitsif the Insured incurs necessary covered medical expenses as a result of an Injury. The Insurer will also reimburse up to reimburse $500 per day up 61 days for Hospital costs due to Sickness.

The Insurer will pay for Reasonable and Customary Charges for medical and surgical expenses incurred by the Insured within one year from the date of Injury or Sickness provided initial treatment was received during the Trip. The Injury must occur or Sickness must begin while the Insured is on a trip while covered by the policy.

Covered Expenses: The Insurer will pay emergency dental treatment only during a Trip. Dental coverage does not apply if treatment or expenses are incurred after the Insured has reached his/her Return Destination, regardless of the reason. The treatment must be given by a Physician or dentist. The Insurer will pay for professional nursing, Hospital charges, X-ray, and ambulance services and prosthetic devices. Physical therapy will be covered up to 90 days after the Insured reaches his/her Return Destination. Benefits payable will not exceed Reasonable and Customary Charges for similar services in the geographic area in which the services were rendered. If the Insured is covered by any other group, blanket health, accident insurance, or assistance plan, and would, as a result, receive total benefits in excess of the expenses actually incurred, the benefits the Insurer will pay will be reduced by such excess. The Insurer also will not pay for amounts paid or awarded under any workers' compensation, disability benefit or similar law.

Additional Exclusions: In addition to the General Exclusions, coverage is not provided for: (a) routine physical examinations; (b) mental health care; (c) replacement of hearing aids, eye glasses, contact lenses, sunglasses, and artificial teeth; (d) routine dental care; (e) any service provided by the Insured, an Immediate Family Member, or Traveling Companion.

Payment of Loss: The Insured must provide the Insurer with: (a) all medical bills and reports for medical expenses claimed; and (b) a signed patient authorization to release medical information to the Insurer.

If the Insured is covered by any other group, blanket health, accident insurance, or assistance plan, and would, as a result, receive total benefits in excess of the expenses actually incurred, the benefits the Insurer will pay will be reduced by such excess. The Insurer also will not pay for amounts paid or awarded under any workers' compensation, disability benefit or similar law.

EMERGENCY MEDICAL TRANSPORTATION

The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits. Travel Guard Assist will arrange for emergency medical transportation services required by the Insured as the result of any Injury or emergency Sickness during a Trip.

Covered Expenses: The Insurer will pay: (a) Reasonable and necessary charges required for evacuation to the nearest adequate medical facility or home if medically required. This service will be arranged only if the Insured's Physician determines that adequate medical treatment is not locally available; (b) up to $5,000 for reasonable and necessary charges for escort expenses required by the Insured, if the Insured is disabled during a Trip and an escort is recommended, in writing, by a Physician; (c) Reasonable and necessary charges for services for transportation of the Insured's remains to his/her place of residence if he/she dies during a Trip. Service must be provided by a provider designated by Travel Guard Assist. Timely notification by the Insured to the Insurer's designated provider is required, with regard to emergency evacuation.

The insurance provided under this benefit shall be excess of all other valid and collectible insurance or indemnity and shall apply only when such other benefits are exhausted.

Additional Benefit: In addition to the above covered expenses, if the Insurer has previously evacuated an Insured to a medical facility, the Insurer will pay his/her airfare costs from that facility to the Insured's Return Destination, within one year from the Insured's original Contracted Return Date, less refunds from the Insured's unused transportation tickets. Airfare costs will be economy, or first class if the Insured's original tickets are first class. This benefit is available only if it is not provided under another coverage in the policy.

The Insured Must: Contact TRAVEL GUARD¨ (1-866-690-6864 or 1-715-345-0505) prior to arranging emergency medical transportation. Failure to do so may affect coverage.

REPATRIATION OF REMAINS

If the Insured dies while on a Trip, the Insurer will reimburse the reasonable covered expenses incurred to return the Insured's body to the United States. This will not exceed the maximum amount shown on the Schedule of Benefits. Covered expenses included expenses for transportation by the most direct and economical conveyance and route possible. Expenses must be accompanied by receipts.

ACCIDENTAL DEATH & DISMEMBERMENT - AIR ONLY

The Insurer will pay this benefit up to the Maximum Limit shown in the Schedule of Benefits for the Insured's covered accidental loss of life, hand, foot, or sight which occurred: 1) while he or she was riding as a passenger on or boarding or alighting from a Scheduled Air Carrier, and 2) within 365 days of the accident.

The amount of this benefit is shown below.

Loss:	Percentage of Maximum Amount Payable
Life	100%
Both hands or feet, or sight of both eyes	100%
One hand and one foot	100%
One hand or one foot and sight of one eye	100%
One hand	50%
One foot	50%
Sight of one eye	50%

In no event will the Insurer pay more than the maximum benefit shown on the Schedule of Benefits for all losses due to the same accident.

If the Insured suffers more than one loss from an accident, the Insurer will pay only for the loss with the larger benefit.

Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of eye means entire and irrecoverable loss of sight in that eye. "Scheduled Air Carrier" means any air carrier holding a certificate, license, or similar authorization for civilian scheduled air transport issued by the country of the aircraft's registry, and which in accordance with that authorization flies, maintains, and publishes schedules and tariffs for regular passenger service between named cities at regular and specified times, but only if the aircraft is then being used for any regular or chartered flight operated by such carrier.

PAYMENT OF CLAIMS

Claim Procedures: Notice of Claim: The Insured must call Travel Guard as soon as reasonably possible, and be prepared with what coverage the loss was under (i.e., Medical Expenses), the name of the company that arranged the Trip (i.e., tour operator, cruise line, or charter operator), the Trip dates, and the amount that the Insured paid. Travel Guard will fill in the claim form and forward it to the Insured for his or her review and signature. The completed form should be returned to Travel Guard Group, Inc., 1145 Clark Street, Stevens Point, Wisconsin 54481 (telephone 1-715-345-0505 or 1-866-690-6864). All California claims will be administered by Mercury Claims Administrator Services, LLC.

Claim Procedures: Proof of Loss: The claim forms must be sent back to Insurer no more than 90 days after a covered loss occurs or ends, or as soon after that as is reasonably possible. All claims under the policy must be submitted to Travel Guard no later than one year after the date of loss or insured occurrence or as soon as reasonably possible. If Insurer has not provided claim forms within 15 days after the notice of claim, other proofs of loss should be sent to Insurer by the date claim forms would be due. The proof of loss should include written proof of the occurrence, type and amount of loss, the Insured's name, the participating organization name, and the policy number.

Payment of Claims: When Paid: Claims will be paid as soon as Travel Guard receives complete proof of loss and verification of age.

Payment of Claims: To Whom Paid: Benefits paid on account of an Insured's death will be paid to the beneficiary he/she has chosen. This choice must be in writing and filed with the Insurer, or filed with the Insurer or Insurer's administrator if Insurer has agreed in advance. If the Insured has not chosen a beneficiary, or if there is no beneficiary alive when he/she dies, Insurer will pay this benefit:

(1) To his/her spouse, if living.

(2) If there are none, in equal shares to his/her living children.

(3) If there are none, in equal shares to his/her living parents.

(4) If there are none, in equal shares to his/her living brothers and sisters.

(5)If there are none, to his/her estate.

If a benefit is payable to a minor or other person who is incapable of giving a valid release, the Insurer may pay up to $1,000 to a relative by blood or connection by marriage who has assumed care or custody of the minor or responsibility for the incompetent person's affairs. Any payment Insurer makes in good faith fully discharges Insurer to the extent of that payment.

All other benefits will be payable to the Insured. However, if he/she has assigned his/her benefits, Insurer will honor the assignment, if Insurer has a signed copy of the assignment. A payment made pursuant to such an assignment shall discharge Insurer from further liability under the policy to the extent of such payment. Under no circumstances shall Insurer be responsible for the validity or sufficiency of any such assignment.

GENERAL PROVISIONS

Acts of Agents: No agent or any person or entity has authority to accept service of the required proof of loss or demand arbitration on the Insurer's behalf nor to alter, modify, or waive any of the provisions of the policy.

Autopsy: The Insurer at its own expense, may require an autopsy where permitted by law.

Concealment or Fraud: The Insurer does not provide coverage for the Insured if the Insured has intentionally concealed or misrepresented any material fact or circumstance relating to the policy or claim.

Insurer's Recovery Rights: In the event of a payment under the policy, the Insurer is entitled to all rights of recovery that the Insured, or the person to whom payment was made, has against another. The Insured must sign and deliver to the Insurer any legal papers relating to that recovery, do whatever is necessary to help the Insurer exercise those rights, and do nothing after the loss to harm the Insurer's rights. When an Insured has been paid benefits under the policy but also recovers from another policy, the amount recovered from the other policy shall be held in trust for the Insurer by the Insured and reimbursed to the Insurer the extent of the Insurer's payment. This provision does not apply in North Carolina.

Legal Actions: No one may sue for benefits less than 60 days after due proof of loss is submitted, nor more than 3 years (or the minimum period of time permitted by state law, if greater) after the date claim forms are due.

Payment of Premium: Coverage is not effective unless all premium due has been paid to Travel Guard prior to a date of loss or insured occurrence.

Termination of the Policy: Termination of the policy will not affect a claim for loss which occurs while the policy is in force.

Transfer of Coverage: Coverage under the policy cannot be transferred by the Insured to anyone else.

Notice to California residents: The plan contains disability insurance benefits or health insurance benefits, or both, that only apply during your covered Trip. You may have coverage from other sources that already provides you with these benefits. You should review your existing policies. If you have any questions about your current coverage, call your insurer or health plan.

Notice to Florida residents: The benefits of the Policy providing your coverage are governed primarily by the law of a state other than Florida.

Notice: Your homeowners policy, if any, may provide coverage for loss of personal effects provided by any Baggage/Personal Effects coverage provided by this policy. This insurance is not required in connection with the Insured's purchase of travel tickets.

The definition of "Hospital" applicable to residents of Florida is as follows: Hospital means a facility that: (1) is operated according to law for the care and treatment of injured people; (2) has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis or is accredited by the Joint Commission on the Accreditation of Hospitals, the American Osteopathic Association, or the Commission on the Accreditation of Rehabilitative Facilities; (3) has 24 hour nursing service by registered nurses (R.N.'s); and (4) is supervised by one or more Physicians. A Hospital does not include: (1) a nursing, convalescent or geriatric unit of a hospital when a patient is confined mainly to receive nursing care; (2) a facility that is, other than incidentally, a rest home, nursing home, convalescent home or home for the aged; nor does it include any ward, room, wing, or other section of the hospital that is used for such purposes; or (3) any military or veterans hospital or soldiers home or any hospital contracted for or operated by any national government or government agency for the treatment of members or ex-members of the armed forces.

The Legal Actions provision applicable to residents of Florida is as follows: No action at law or in equity may be brought to recover on this Policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this Policy. No such action may be brought after the expiration of 5 years after the time written proof of loss is required to be furnished.

Exclusion (i) does not apply to residents of Florida.

For inquiries, information about coverage or for assistance in resolving complaints call: 1-866-690-6864.

Notice to North Carolina residents: In North Carolina, insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, PA, on Policy series 52735MO.

Notice to Texas residents: The policy may provide a duplication of coverage already provided by the Insured's personal auto insurance, homeowner's, personal liability policy, or other source of coverage.

Travel Guard International — a wholly owned subsidiary of AIG Travel, Inc., a member company of American International Group, Inc.

TRAVEL GUARD® ASSIST

All benefits provided are service benefits, not financial benefits. Any costs associated with benefits not purchased will be paid by the named Insured.

24-Hour Medical Assistance

24-Hour Medical Monitoring: Physicians monitor the Insured's condition by maintaining close contact with the attending Physicians, his/her family Physician, and Immediate Family Members.

Medical Evacuation: Arrangements for any and all means necessary to transport the Insured back home when medically necessary.

Emergency Medical Payments: If a Hospital demands a cash deposit or settlement prior to leaving, Travel Guard will assist in arranging the advancement of funds to cover on-site Medical Expenses.

Prescription Assistance: Replacement of lost or stolen medication, through a local pharmacy or special courier.

Transportation of Dependents: In the event of hospitalization, arrangements will be made for unattended minors traveling with the Insured to be flown home.

Family Visit: If the Insured is hospitalized for ten or more days, Travel Guard will arrange transportation for an Immediate Family Member or close friend to visit him/her.

Transportation of Mortal Remains: In the event of death while traveling, arrangements and payment for the return of remains to the place of burial.

24-Hour Legal Assistance

In a legal emergency, referral to a local legal advisor and advance of funds for bail and legal fees.

24-Hour Travel Assistance

Travel Documents Assistance: Travel Guard will help retrieve, report, and reissue lost or stolen travel documents.

Emergency Cash Transfer: Travel Guard will, whenever possible, coordinate with the Insured and a wire agency, in obtaining funds in local currency for medical or travel emergencies.

Emergency Message Center: Transmission of emergency messages to family and business associates.

Interpretation Services: Travel Guard will provide emergency language support or referral to the appropriate local services.

24-HOUR LIVETRAVEL ASSISTANCE

Provides 24-hour assistance for emergency travel needs. Allows you to make emergency travel changes such as rebooking flights, making hotel reservations, tracking lost luggage, and replacing lost credit cards. Call 1-866-690-6864 for assistance.

Live Messaging Ð Relay of e-mail or phone message to family, friends, or business associates.

Emergency Cash Transfer Ð Assistance in coordinating an emergency cash advance.

Pre-trip Travel Advice Ð Around-the-clock access to passport, visa, inoculation, and vaccine requirements; travel advisories; embassy and consulate contacts; travel health advisories; weather and currency information Ð all for the Insured's planned Destination.

CONCIERGE SERVICES

Restaurant Referrals and Reservations Ð Travel Guard will supply a restaurant referral based on your needs and desires. Additionally Travel Guard will arrange for reservations at the recommended restaurant. Based on availability.

Ground Transportation Ð Travel Guard will locate and arrange for a transportation service to pick you up and deliver you to your desired destination.

Event Ticketing Ð Travel Guard will assist with the purchase of tickets to such events as sporting events, theatre, and concerts. Based on availability.

Tee Times and Course Recommendations Ð Travel Guard will facilitate the reservation of tee times at available courses and recommend alternatives in case of a booked course. Based on availability.

Floral Services Ð Travel Guard will facilitate the ordering of flowers for such events as birthdays, anniversaries, holidays, and other special occasions.

Non-insurance services through Travel Guard¨Assist are provided by Travel Guard®.

Make sure you call Travel Guard (1866-690-6864 or 1-715-345-0505) before you seek medical care while traveling. Where available, we can arrange direct payment to a member of our Preferred medical network, saving you the time and paperwork associated with reimbursement of medical expenses. Our assistance coordinators also can help you locate the nearest and most appropriate medical provider, monitor your care, and provide updates to your family and/or employer.

TRAVEL GUARD INTERNATIONAL

24 HOUR EMERGENCY ASSISTANCE TELEPHONE NUMBERS

Continental USA: 1-866-690-6864

International Calls:

1) Dial the toll-free access number found at Tripplus.com for the country you are traveling to.

2) Enter 511511# when prompted for your account code.

Be sure to use the appropriate country and city codes when calling.

007991-CT 9/06 P4 TRAVEL GUARD¨ International 9/06

TripPlus Insurance Terms & Conditions

1. Validity. The Tripplus Travel Card is valid to end of the month of purchase of the following year. E.g. a card purchased on June 15th 2008, is valid until June 30th 2009.

2. Eligibility. The Tripplus Travel Card is valid for all persons under the age of 30 on the date of purchase. Services associated with the Tripplus Travel Card are terminated on the earlier of the card expiration date or the cardholders 31st birthday. Cardholders are required to submit proof of age with any Travel Insurance claims they may submit.

3. Issuance & Shipping. Cards may only be shipped to the billing address of the credit card used to purchase the Tripplus Travel Card. Regular delivery may take up to 10 business days.

4. Account Loads. A number of options exist by which funds may be loaded to debit card and phone card accounts. See ADD FUNDS. Funds loaded to debit cards accounts by credit card incur a 3% convenience charge and require additional signed authorization to protect all parties against fraudulent use of credit cards. Failure to complete the signed authorization will result in cancellation of the entire order and will incur a $15 administration fee.

5. Account Balances. Funds remaining on either phone card or debit card accounts are not refundable. They should be used in their entirety prior to card expiration.

6. Card orders may be cancelled within 7 days of purchase. A USD 15 processing fee will be charged. Beyond 7 days after purchase, cards are non-refundable.

7. Termination. Tripplus LLC reserves the right to deny service or suspend or terminate accounts in the event of suspected or actual unauthorized use.