TRAVELEX INSURANCE

Travelex plans combine travel insurance with extensive 24-hour emergency assistance services.

Travel can mean encountering the unexpected, ranging from the inconvenient to truly serious. Travel protection plans offer comprehensive benefits to meet the challenges of travel and help you enjoy a worry-free trip.

Not sure you need travel protection? We have compiled the “Travelex Top 10” to highlight the importance of purchasing a plan before you depart on your trip:

1. "I’ve become ill and don’t feel well enough to travel"
When you purchase a plan that offers trip cancellation/ interruption coverage within a specified period of your initial trip deposit, you are covered for pre-existing conditions. That means you can cancel your trip if you get sick - and be reimbursed for any non-refundable expenses relating to your trip.

2. "My travel supplier just declared bankruptcy"
Common carriers with financial difficulties are becoming increasingly common. Purchasing trip cancellation/ interruption coverage from a third party like Travelex can protect you and your trip investment against such an occurrence.

3. "I think my son has an ear infection – what’s "ear infection" in Italian?"
Travelex plans offer 24-hour worldwide assistance. Call toll-free to access our 24 hour medical assistance helpline to receive advice or get information on English-speaking doctors in your area.

4. "We were on our way home when the airline went on strike"
The trip interruption benefit covers for up to $1000 in non-refundable expenses for strikes that affect public transportation.

5. "I arrived but my luggage didn’t"
Whether your bag is lost or merely delayed, you can be reimbursed for the purchase of clothing and personal articles so you can enjoy your vacation.

6. "My father-in-law fell and injured himself – I normally care for him"
The illness or injury of family members is also included under covered reasons to cancel. It’s important to remember that even if you are fit to travel, other events may make departing on your trip unthinkable.

7. "We missed our connection because of a flight delay"
You arrive in your connecting city but your flight is long gone and the next flight is not until tomorrow morning. The travel delay offers coverage for accommodations and meals.

8. "We were traveling when I suddenly developed chest pains"
When a medical emergency happens far away from home and far away from proper medical facilities, you want to ensure you receive adequate care. Our medial evacuation benefit will cover emergency transportation for you and a companion to the nearest facility or back home.

9. "A terrorist act has occurred in a city through which my flight will be connecting"
Both domestic and international terrorist acts are covered reasons to cancel your trip provided the act occurs within 30 days of your scheduled departure date.

10. "My wallet – with my cards and passport – has been stolen"
Emergency assistance services will assist you in reporting your lost documents and make arrangements for an emergency cash transfer should that be required. As well, the baggage benefit provides coverage for loss due to the unauthorized use of your card.

If you still have questions about what may or may not be covered, please refer to the Complete Details of each plan found on the respective “Learn More” pages or call our Customer Service department at 1-888-TRAVELEX.

This brochure is a brief description of this protection plan. Certain
conditions, exclusions and limitations apply as set out in the Evidence
of Coverage and Confirmation of Coverage which will be sent to you
upon purchase of this coverage.
To view a full description, including limitations and exclusions, visit our
website at www.travelexinsurance.com.

DESCRIPTION OF BENEFITS
TRIP CANCELLATION/INTERRUPTION
Trip Cancellation: You are covered for certain non-refundable
expenses if you must cancel or interrupt your trip for any of the
following reasons:

• Covered sickness, injury or death of you, your family member,
traveling companion or business partner. Medically imposed restrictions
must be certified by a legally qualified physician at time of loss.

• Unforeseen bankruptcy or financial default of a travel supplier
which occurs more than 14 days following your Protection Plan
effective date. You must purchase this plan within 21 days of
initial trip deposit to qualify for this coverage.

• Strike that causes complete cessation of services of your common
carrier for at least 48 hours.

• Weather which causes complete cessation of services of your
common carrier for at least 24 hours.

• Employer termination or layoff affecting you or a person sharing the
same room. Employment must have been with the same employer for
at least 3 consecutive years. This benefit is not available in Oregon.

• A terrorist incident in your departure city or city of destination
within 30 days following the terrorist incident.

• You or your traveling companion are required to serve on a jury, are
subpoenaed, hijacked or quarantined.

• Residence of you or your traveling companion is rendered
uninhabitable due to unforeseen circumstances.

• Burglary of you or your traveling companion’s residence within
10 days of departure or during your trip.

• Felonious assault of you or your traveling companion within 10 days
of departure or during your trip.

• You or your traveling companion are called to emergency military
duty for a natural disaster other than war.

• Traffic accident directly involving either you or your traveling
companion, substantiated by a police report, while en route to a
scheduled departure point.

• If your travel supplier cancels your trip, you are covered up to $150
for the reissue fee charged by the airline for your tickets.

• Single supplement upgrade – you are covered when your
traveling companion cancels or interrupts a trip for a covered
reason and you do not.

Trip Interruption: If you are prevented from completing a trip for any
of the unforeseen reasons listed under Trip Cancellation, you are
covered for:
• Any unused non-refundable expenses for travel arrangements.
• One way economy transportation to return to the original departure
point or rejoin your trip.
• Certain accommodations and transportation expenses when a traveling
companion must remain hospitalized or a covered injury or sickness not
requiring hospitalization prevents you from continuing travel.

TRIP DELAY/MISSED CONNECTION
If your trip is delayed for 5 hours or more, we will reimburse you for
certain additional expenses for accommodations, transportation and
meals and/or for unused non-refundable expenses for your trip.

ITINERARY CHANGE
Covers certain expenses if the travel supplier makes a change in your
itinerary after your scheduled departure date which prevents you from
participating in that event/activity.

EMERGENCY MEDICAL BENEFITS
Medical Expense: You are covered for emergency expenses incurred
as a result of sickness or injury during your trip.
Medical Evacuation/Repatriation: Covers, if an injury or sickness
first occurs during your trip, for medical evacuation when your
condition is acute or life threatening and adequate treatment is not
available at a local hospital or medical repatriation for you to return to
your home or a hospital near your home for continued treatment.
Covers up to $5,000 for the repatriation and return of remains. Any
use of this benefit must be pre-approved and arranged by the
authorized Assistance Company.

BAGGAGE
You are covered for the loss, theft or damage of your baggage and
passport, as well as for loss due to unauthorized use of your credit card.
BAGGAGE DELAY
If your baggage is delayed for 24 hours or more, we will reimburse
you for the purchase of additional clothing and personal articles.
ACCIDENTAL DEATH & DISMEMBERMENT
You are covered for loss of life, limbs or sight due to an accidental
injury while on your trip.
TRAVELSOLVE TRAVEL ASSISTANCE & CONCIERGE SERVICE
TravelSolve helps you find your way more easily whether you are
traveling domestically or internationally. You can access a wide range
of services on a 24/7 basis both before you go and during your trip.
Services include:
• 24-hour medical assistance helpline
• Medical evacuation/repatriation
• Baggage tracking
• Lost/stolen passport/card assistance
• Emergency cash transfer
• Emergency air/hotel/car rental bookings
• Destination information and advice
• International dining recommendations
• Hospitality & event ticketing
All of the above services and more are included with your Travel Plus plan.
For Travel Assistance phone numbers, please refer to your Confirmation
of Coverage.
RENTAL VEHICLE DAMAGE PROTECTION
When a vehicle is rented through your travel supplier for your covered
trip, you are covered for any loss or damage to the rental car resulting
from collision, hail, earthquake, fire, storm, theft or vandalism. (Benefit
not available in Oregon).
FLIGHT ACCIDENT PROTECTION (optional)
You are covered for accidental death, dismemberment or loss of
sight resulting from an accident while a passenger on a regularly
scheduled flight.
IMPORTANT DEFINITIONS
"Family Member" means Your legal spouse or common-law spouse
(where legal), legal guardian, legal 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),
great-grandparent, grandchild, great-grandchild, aunt, uncle, niece,
nephew or Key Person, provided the Family Member resides in the
United States, Canada or Mexico.
"Key Person" means a) an employed caregiver of a legal dependant
of You or b) a person to whom You are not married and with whom
You have cohabited for 12 continuous months.
PRE-EXISTING MEDICAL CONDITIONS
Enroll Within 21 Days of Your Trip Deposit
We cover pre-existing medical conditions (certain exclusions apply) for
people of all ages if you enroll within 21 days of your initial trip
deposit and protect the full cost of your trip.
IT’S IMPORTANT TO KNOW...
All cancellations must be reported to the Travel Supplier within 72 hours
of the event causing the need to cancel unless the event prevents it,
and then as soon is reasonably possible. All other delays of reporting
beyond 72 hours will result in reduced benefit payments.
This plan contains disability protection benefits or health protection
benefits, or both, that only apply during the covered trip. You may have
coverage from other sources that already provide 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 provider.