Travel Insurance Table of Contents
Is there a need?	1
What does travel insurance cover?	2
Single Trip, Annual, Group	2
Trip Cancellation Insurance	2
Travel Medical Insurance	2
Emergency Medical Evacuation Coverage	3
Cancel for Any Reason (CFAR) Coverage	3
Sample Endorsement	3-4
Travel Delay Insurance	5
Trip Interruption Insurance	5
Baggage & Personal Effects Coverage	5
Baggage Delay Coverage	5
Pre-Existing Medical Conditions Exclusion Waiver	5
Sample Policy	6
Your Travel Protection Plan	6
Claims Procedures	7
Table of Contents	7
Worldwide Non-Insurance Assistance Services	8
Travel Insurance Policy	9
Section I – Effective Date & Termination Date	10
Section II – Coverages	11
Coverage A Trip Cancellation	11
Coverage B Trip Interruption	12
Coverage C Travel Delay	14
Coverage D Missed Connection	15
Coverage E Itinerary Change	15
Coverage F Change Fee	16
Coverage G Reimbursement of Miles or Reward	16
Coverage H Baggage & Personal Effects	16
Coverage I Accident & Sickness Medical Expense	18
Coverage J Emergency Medical Evacuation	19
Coverage K 24-Hour Accidental Death	20
Optional Coverage	21
Exposure & Disappearance	22
Optional Rental Care Damage	23
Section III – Definitions	24
Section IV – General Exclusions & Limitations	28
Section V – Payment of Claims	29
Section VI – General Provisions	30
State Endorsements	31
Grievance Procedures	34
Privacy Policy & Practices	37

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