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Access AmericaTravel Insurance & AssistanceCertificate of InsuranceDon’t forget to take this document with you!Insurance benefits are underwritten by Jefferson Insurance Company. Plan administered by World Access Service Corp. Access America is a service mark and a division of World Access Service Corp. Form No. 101-C-XX-01 JIC_B01 ©2007 World Access Service Corp. Your Travel Insurance CertificateThank you for buying a travel insurance plan from Access America!Your plan is described in the following documents:
All dollar amounts in these documents are in US dollars. We can help! Our assistance team can help you with problems 24 hours a day, almost anywhere in the world. In the United States, Canada, Puerto Rico and the U.S. Virgin Islands 1-800-654-1908 All other locations, call collect 1-804-281-5700 California Residents: Please note that we are doing business in California as WASC Insurance Agency and our California License # is OBO1400. Notice for Florida Residents: The benefits of the policy providing your coverage are governed primarily by the law of a state other than Florida. SECTION 1: OUR AGREEMENT WITH YOUYour travel insurance plan (your plan) includes both insurance coverage and assistance services.Throughout this document:
About this agreement It is important that you read the certificate carefully. You have a duty to make all reasonable efforts to minimize any loss. We have issued the certificate and any attached riders based on your payment of the premium and on the information you included in your enrollment or other form. The statements you made in your enrollment or other form are representations and not warranties. We may use this information to void insurance, reduce benefits or defend our decision about a claim. The headings in this certificate are for convenience only. Satisfaction Guarantee We will refund your insurance premium if you cancel your plan within 10 days of purchase and you haven’t started your trip or filed a claim. Signed for Jefferson Insurance Company Jon Ansell, President Fred Faett, Secretary Jefferson Insurance Company 2805 North Parham Road, Richmond, VA 23294 SECTION 2: WHAT THIS CERTIFICATE INCLUDESThis is a named perils travel insurance certificate, which means it covers only the specific situations, events and losses included in this document, and only under the conditions we describe.The plan you purchased may not include all the coverage described here. Make sure you check your letter of confirmation to confirm your coverage and limits. Your plan also includes assistance services, which are described in Section 5, Help while traveling. We can help!- Tells you about related assistance services that are available to you worldwide. You’ll find a complete list in Section 5, Help while traveling. Important Travel insurance doesn’t cover everything. It’s designed to protect you when there’s a sudden, unexpected problem or event. Please see Section 3, What this certificate excludes, for more information. YOUR TRIP IS CANCELED OR INTERRUPTEDImportantYou need to contact your travel suppliers within 72 hours of canceling or interrupting your trip to qualify for the largest reimbursement possible. If you notify your suppliers later and get a smaller refund, we will not cover the difference. If you’re seriously ill or injured, contact your travel suppliers as soon as you can. We can help! Need help sending an emergency message or getting flight information? See Section 5, Help while traveling, for a complete list of ways we can help. Trip cancellation and Trip interruptionWhen it applies- Your trip is canceled before you get started, or interrupted after you’ve left, for one of the following covered reasons:Health Injury, illness or medical condition You or a traveling companion are seriously ill or injured. Specific requirement The injury, illness or medical condition must be disabling enough to make a reasonable person delay, cancel or interrupt their trip.
Specific requirement
You, a traveling companion or family member dies. Specific requirement
You or a traveling companion is quarantined. Pregnancy You become pregnant (trip cancellation coverage only). Childbirth You need to attend the birth of an immediate family member’s child (trip cancellation coverage only). Transportation and accommodation Financial default Your tour operator, airline or cruise line ceases operations due to financial default. Specific requirements (all must apply)
Traffic accident You or a traveling companion are in a traffic accident on the way to your point of departure. Family or friends can’t accommodate you as planned Family or friends outside the United States can’t accommodate you as planned because someone in the household has died or been diagnosed with a serious illness or injury. Legal Jury duty or court-ordered appearance You’re summoned by a court order or subpoena to serve on a jury or appear in court. Legal separation or divorce You or a traveling companion legally separate or divorce after your plan’s effective date but before your scheduled departure date. Specific requirement
Home uninhabitable Your primary residence is uninhabitable because of a natural disaster, fire, flood, burglary or vandalism. Destination uninhabitable Your destination is uninhabitable because of a natural disaster, fire, flood, burglary or vandalism. Canceled services Your airline, cruise line, or tour operator or travel supplier stops offering all services for at least 24 consecutive hours where you’re departing, arriving or making a connection because of:
Politics and violence Hijacking You or a traveling companion are hijacked. Terrorism A terrorist event happens at your U.S. or foreign destination within 30 days of the day you’re scheduled to arrive. Specific requirement
Termination or layoff You or a traveling companion are terminated or laid off from a company after your plan’s effective date. Specific requirements (all must apply)
You or a traveling companion serving in the U.S. Armed Forces are reassigned, or have your personal leave revoked, except because of war, the War Powers Act, base or unit mobilization, unit reassignment or disciplinary action. Other Extended travel delay You miss more than half of the total length of your trip because your travel is delayed. Specific requirements (all must apply)
BizPack coverage If you purchased BizPack, the following covered reasons will apply: Place of work unsuitable for business The place where you work is unsuitable for business because of a natural disaster, fire, flood, burglary or vandalism, and you’re required to work as a result. Work obligation You or a traveling companion are required to work during the time you’re scheduled to travel. Specific requirement
You’re required to work during the time you’re scheduled to travel because your employer is merging with another company or being acquired. Specific requirements (all must apply)
Trip cancellation coverage Non-refundable payments and deposits Payments and deposits you made before your trip was canceled, less any published refunds you’re entitled to receive. Accommodation The extra cost of single accommodation if you prepaid for shared accommodation and a traveling companion canceled or interrupted their trip for a covered reason or was delayed for a covered reason. Trip interruption coverage Prepaid expenses The unused part of your prepaid expenses, less any refunds you receive. Accommodation The extra cost of single accommodation if you prepaid for shared accommodation and a traveling companion canceled or interrupted their trip for a covered reason or was delayed for a covered reason. Transportatio Reasonable transportation expenses for getting to:
Extra accommodation and transportation expenses because a traveling companion is hospitalized. Special limit
We can help! Need help finding a doctor or getting emergency cash from home to pay for treatment? See Section 5, Help while traveling, for a complete list of ways we can help. Emergency medical/dentalWhen it applies- You have to pay for emergency medical or dental care for one of the following covered reasons:
Reasonable and customary costs Reasonable and customary costs for supplies and services from a doctor, dentist, hospital or other licensed provider. California Residents: If you are purchasing a plan that includes emergency medical/dental coverage, please note the following: This plan contains disability insurance benefits or health insurance benefits, or both, that only apply during the 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. Important This is secondary coverage. If you have health insurance, you must submit your claim to that provider first. Any benefits you receive from your primary insurance provider or from any excess coverage will be deducted from your claim. If you’re eligible for benefits or compensation through a government-funded program other than Medicaid, you don’t qualify for this coverage. YOU’RE DELAYED OR YOU MISS YOUR FLIGHT OR CRUISEImportantYou need to make reasonable efforts to continue your trip if you’re delayed or you miss your flight or cruise. The coverage described here can help. Any refunds you receive from your travel suppliers will be deducted from your claim. We can help! Need help rebooking your flight or arranging for alternative transportation? See Section 5, Help while traveling, for a complete list of ways we can help. Travel delayWhen it applies- Your travel is delayed for six or more consecutive hours for one of the following covered reasons.Strike or common carrier delay
Meals, accommodation and transportation
Missed connectionWhen it applies- You miss your connecting flight or cruise for one of the following covered reasons:
Prepaid expenses The unused part of your prepaid expenses if you miss at least 24 hours of your trip, less any refunds you receive. Meals, accommodation and transportation
YOUR BAGGAGE IS LOST, DAMAGED, STOLEN OR DELAYEDImportantAny refunds you receive will be deducted from your claim. We can help! Need help contacting local authorities or getting emergency cash from home? See Section 5, Help while traveling, for a complete list of ways we can help. Lost, damaged or stolen baggage When it applies- Your baggage is lost, damaged or stolen while you’re traveling. Specific requirements (all must apply)
Actual price, actual cash value, repair or replacement (whichever is less)
Delayed baggageWhen it applies- A common carrier, hotel or tour operator delays your baggage for 24 hours or more.Specific requirement
Reasonable essential items Reasonable essential items for you to use until your baggage arrives. OTHER COVERAGEImportantPlease check your letter of confirmation to confirm your coverage and limits. Existing medical condition coverageIf your plan includes this coverage, you, a traveling companion or family member can have an existing medical condition and you will still be eligible for all coverage and assistance services, as long as:
SECTION 3: WHAT THIS CERTIFICATE EXCLUDESGENERAL EXCLUSIONSYou aren’t covered for any loss that results directly or indirectly from any of the following general exclusions, unless they’re included in Section 2, What this certificate includes. The following things if they affect you, a traveling companion or a family member, whether the family member is traveling with you or not:
You aren’t covered for any loss that results directly or indirectly from any of the following specific exclusions unless they’re included in Section 2, What this certificate includes. Trip cancellation and trip interruption coverage
WHO IS COVERED BY YOUR PLAN Your plan covers the people listed on your letter of confirmation. WHEN YOUR COVERAGE BEGINS AND ENDSYou’re only eligible for coverage if we accept your request for insurance.Your plan’s effective date depends on how you purchased it.
Trip cancellation coverage begins on your plan’s effective date, as long as we receive your premium before you cancel your trip or make a claim. All other coverage begins on your scheduled departure date, as long as we’ve received your payment. Your departure and return dates are counted as two separate days of travel when we calculate the duration of your trip. Your coverage ends on the earliest of:
Your plan can’t be renewed. SECTION 5: HELP WHILE TRAVELINGIf you need help while traveling, our assistance team is available 24 hours a day.Our services are here to help make challenging situations a little easier. With our global reach, we can get you in touch with licensed medical and legal professionals and other kinds of help. Important Please note that the General exclusions for your plan also apply to our assistance services. You’ll find the list of these exclusions in Section 3, What this certificate excludes. HOW TO REACH USIn the United States, Canada, Puerto Rico and U.S. Virgin Islands, call 1-800-654-1908All other locations, call collect 1-804-281-5700 If you can’t call collect, we’ll call you back. Please have this information ready when you call:
Finding a doctor, dentist or medical facility If you need care from a doctor, dentist or medical facility while you’re traveling, we can help you find one. Paying or guaranteeing your hospital bill If you need to be admitted to a hospital as an inpatient for longer than 24 hours, we can guarantee or advance payments up to the limit of your emergency medical/dental coverage (described in Section 2). Monitoring your care If you’re hospitalized, our medical staff will stay in contact with you and the doctor caring for you. We can also notify your family and your doctor back home of your illness or injury and update them on your status. EMERGENCY MEDICAL TRANSPORTATIONImportantIf your emergency is immediate and life threatening, seek local emergency care at once. Your emergency medical transportation limit is the total amount available for all covered services described below. Please check your letter of confirmation to confirm that you have this benefit in your plan and your total dollar limit. You must make all emergency medical transportation arrangements described below through us. We can deny a claim for emergency transportation if we didn’t authorize and arrange it. Moving you to a hospital or medical clinic (Emergency medical evacuation) If our medical team and the doctor caring for you agree that a local care facility can’t treat your injury or illness, we’ll identify the nearest appropriate facility that can provide the care you need. We’ll only cover the cost of your emergency medical evacuation if we authorize and arrange:
If you’re told you will be hospitalized for more than seven days, we’ll arrange for and cover the cost of an economy class round-trip ticket to bring a friend or family member to you if you’re alone, or to send children under the age of 23 who are traveling with you home. Getting you home after your care (medical repatriation) Once you’ve recovered enough to return home, we’ll arrange for and cover the cost of an economy class ticket to get you home (less any refunds from your unused return trip tickets). We’ll only cover the cost of your medical repatriation if we authorize and arrange your transportation. Transporting your remains (repatriation of remains) We’ll cover the cost of reasonable and necessary services to transport your remains to your place of residence. We can also help the sending and receiving funeral homes coordinate with each other. LEGAL ASSISTANCEFinding a legal advisorWe can help you find local legal advice if you need it while you’re traveling. Arranging a cash transfer If you need to pay legal fees, we can arrange to transfer funds from your family or friends. TRAVEL AND DOCUMENT ASSISTANCEReplacing lost travel ticketsIf your tickets are lost or stolen, we can contact the airline or other common carrier, and can help you with your travel arrangements if your trip is interrupted. Replacing lost passports and other travel documents If your passport or other travel documents are lost or stolen, we can help you reach the appropriate authorities, contact your family or friends, and assist you in getting your documents replaced. OTHER ASSISTANCE SERVICESGetting flight informationIf you miss your flight or it’s canceled, we can give you arrival and departure times for other flights that will get you to your connecting flight or final destination. Getting emergency cash If your cash is lost or stolen or you need extra money to pay for unexpected expenses, we can arrange to transfer funds from your family or friends. Delivering emergency messages We can help you get an urgent message to someone back home. We’ll try calling up to three times within 24 hours and confirm whether we were able to reach the person you asked us to contact. About our assistance services Our goal is to help you with your problem no matter where you’re traveling. We’ll make all reasonable efforts to help you as we’ve described, but there may be times when we aren’t able to resolve your problem for reasons that are beyond our control. We will always do our best to refer you to appropriate professionals, but please be aware that they are independent providers and we can’t be held responsible for the results of any services they provide. SECTION 6: CLAIMS INFORMATIONHOW TO MAKE A CLAIMMaking a claim is easy – just visit www.accessamerica.com/claims, email or call us and we’ll be happy to help. Go online to:
You have 90 days from the date of your loss to submit your claim to us, except as otherwise provided by law. Assignment You can assign your rights under your plan by notifying us in writing. About beneficiaries If you die, benefits will be paid to your estate. Duplicate coverage If you’re covered by another certificate or policy that we’ve issued with the same or similar coverage, we’ll use the terms and conditions of the certificate or policy that pays the most. We’ll also refund any premium you’ve paid for duplicate coverage. Maximum coverage The most that will be paid per trip for all losses resulting from the same event or problem is:
We have the right to have you medically examined as reasonably necessary to make a decision about your medical claim. If someone covered by your plan dies, we may also require an autopsy (except where prohibited by law). We will cover the cost of these medical examinations or autopsies. Recovery We have the right to recover any amount you receive that exceeds the total amount of your loss. Subrogation When someone is responsible for your loss, we have the right to recover any payments we’ve made to you or someone else in relation to your claim, as permitted by law. Everyone eligible to receive payment for a claim submitted to us must cooperate with this process, and must refrain from doing anything that would adversely affect our rights or the rights of Jefferson to recover payment. About fraud Fraud is illegal. We will deny your claim if:
If you disagree with our decision about a claim, you can request to go to arbitration through the American Arbitration Association. If we agree, you can submit a dispute to desk arbitration, as long as:
This is a named perils travel insurance certificate, which means it covers only the specific situations, events and losses included in this document, and only under the conditions we describe. We’ll only pay for reasonable, appropriate expenses that are covered by the plan you purchased. Please check your letter of confirmation to confirm your coverage and limits in your plan. SECTION 7: DEFINITIONSAccident- An unexpected and unintended event that causes injury, property damage or both.Accommodation- A hotel or other kind of lodging where you make a reservation and pay a fee. Assault Physical- assault that requires treatment in a hospital. Baggage- Personal property you take on your trip and the suitcases or other kinds of containers you use to carry them. Car- or rental car A car or other vehicle designed for use on public roads that you own or that you’ve rented for the period of time shown in a rental car agreement. Rental cars don’t include:
Covered reasons- The specific situations and events that are covered by this certificate. Current market value- The dollar amount an item could reasonably be sold for, based on its original price, age and current condition. Deductible- The dollar amount you must contribute to the loss. Dentist- Someone who is licensed and legally entitled to practice dentistry or dental surgery. This can’t be you, a traveling companion, any member of either of your immediate families, or any member of the sick or injured person’s immediate family. Destination- A place more than[100 miles from your primary residence where you spend more than 24 hours of your trip. Doctor- Someone who is legally entitled to practice medicine, and is licensed if required. This can’t be you, a traveling companion, any member of either of your immediate families, or any member of the sick or injured person’s immediate family. Domestic partner- A person you’ve lived with in a spousal relationship for at least 12 consecutive months who is 18 years or older. You must be able to show evidence that you’ve lived together for 12 consecutive months. Emergency medical and/or dental care- Medical and dental services, supplies and charges that are for a health emergency. It doesn’t include things like:
Existing medical condition- An illness or injury that you, a traveling companion or family member were seeking or receiving treatment for or had symptoms of on the day you purchased your plan, or at any time in the 120 days before you purchased it. You, a traveling companion or family member are considered to have an existing medical condition if you, a traveling companion or family member:
Hospital- A facility whose primary function is to diagnose and treat sick and injured people under the supervision of doctors. It must:
Injury- Physical harm directly caused by an accident or assault, without other contributing causes. Inpatient- Someone who receives medical or dental treatment while registered as a bed patient in a hospital or other licensed provider. Room and board is charged for the patient’s stay, in addition to charges for medical treatment and care. Medical condition- A physical condition you have, or have symptoms of, that you:
Other licensed provider- A person or entity that isn’t a doctor or hospital but provides medical or dental services, and is licensed where required. Outpatient Someone who receives medical or dental treatment but doesn’t have to stay at a hospital for overnight care. Pandemic- An epidemic over a wide geographic area that affects a large portion of the population. Primary residence- Your permanent, fixed address and primary residence for legal and tax purposes. We call the place your primary residence is located your place of residence. Quarantine- Mandatory isolation or restrictions on where you can go, intended to stop a contagious disease from spreading. Reasonable and customary costs- What customers would usually be charged for a specific service in a particular geographic area. The charges are appropriate to the availability of the service, and of skilled and licensed service providers. Refund- Cash or a credit or voucher for future travel that you get from a travel agent, tour operator, airline, cruise line or other travel supplier, or any credit, recovery or reimbursement you get from your employer, another insurance company, a credit card issuer or any other entity. Scheduled departure date- The day and time you listed on your enrollment or other form as the day and time you plan to start your trip. You have paid for travel that starts on this date. Severe weather- Hazardous weather conditions, like fog, a hailstorm or severe rainstorm, a blizzard, or an ice storm. Terrorist event- When an organized terrorist group, as defined by the U.S. State Department, injures or kills people or damages property to achieve a political, ethnic or religious goal or result. Terrorist events don’t include general civil protest, unrest, rioting or acts of war. Travel supplier- A travel agent, tour operator, airline, cruise line or other travel service provider. Traveling companion- A person traveling with you whose name appears with yours on the same trip arrangement and who will accompany you on your trip. A group or tour leader is not considered a traveling companion unless you are sharing the same room with the group or tour leader. Trip- Round-trip or one-way travel to and from a place at least 100 miles from your home. It can’t include travel to receive health care or medical treatment of any kind, or commuting to and from work. Unlawful acts- Felonies committed by you, a traveling companion or a family member, even if the family member isn’t covered by your plan. Uninhabitable- A natural disaster, fire, flood, burglary or vandalism causes enough damage to make a reasonable person find their home unfit for use. Unsuitable for business- A natural disaster, fire, flood, burglary or vandalism causes enough damage to make a reasonable person find their workplace unfit for use. |