CSA Travel Protection Freestyle Luxe Certificate

For Trip Cancellation: Coverage begins 12:01 A.M. Standard Time on the day after the date your plan payment is received by us.

Coverage ends on the earlier of:

1. the point and time of departure on the Insured's Covered Trip or
2. the point and time of cancellation of the Covered Trip.

For Trip Interruption: Coverage begins on the Scheduled Departure Date.

Coverage ends on the earlier of:

1. the point and time the Covered Trip is completed; or
2. the Scheduled Return Date; or
3. the arrival at the return destination on a round trip, or the destination on a one-way trip.

For all other coverages: Coverage begins on the later of

1. the date and time you start your Covered Trip; or
2. 12:01 A.M. Standard Time on the Scheduled Departure Date of your Covered Trip.

Coverage ends on the earlier of:

1. the point and time the Covered Trip is completed; or
2. the Scheduled Return Date; or
3. the arrival at the return destination on a round trip, or the destination on a one-way trip.

In the event the Scheduled Departure Date and/or the Schedule Return Date are delayed, or the point and time of departure and/or point and time of return are changed because of circumstances over which neither the Travel Supplier nor an Insured has control an Insured's term of coverage shall be automatically adjusted accordance with the Travel Supplier's notice to the Company of the delay or change.

3. Benefits: When an Insured sustains a loss specified under any attached coverage(s) of the policy under which he or she is covered as shown in the Schedule of Coverages, the Company will pay benefits as specified in such attached coverage(s) subject to all policy limitations and exclusions.

COVERAGE A and COVERAGE B

24-HOUR ACCIDENTAL DEATH AND DISMEMBERMENT

PART A BENEFITS

An Insured is eligible for benefits 24 hours a day, up to the Maximum Benefit Amount shown when the Insured sustains an Injury during the Covered Trip which results in a Loss noted below within 180 days of the date of the Injury causing the Loss.

Benefits will be paid as follows:

Type of Loss	Percentage of Principle Sum Payable
Loss of life	100%
Loss of both feet	100%
Loss of both hands	100%
Loss of both eyes	100%
Loss of one hand and one foot	100%
Loss of one hand and one eye	100%
Loss of one foot and one eye	100%
Loss of one hand	50%
Loss of one foot	50%
Loss of one eye	50%
Loss of thumb and index finger of the same hand	25%

Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively, Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof. Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one accident.

The benefit for loss of:

1. two limbs;
2. both eyes; or
3. one limb and one eye is payable only when such loss results from the same accident.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

ACCIDENTAL DEATH AND DISMEMBERMENT - FLIGHT ONLY

PART A BENEFITS

When an Insured sustains covered Injuries:

(a) while riding solely as a passenger in an aircraft on a regularly scheduled airline flight or regularly scheduled charter flight.

(b) Received while riding as a passenger in any land or water conveyance provided at the expense of the air carrier as a substitute for an aircraft covered by this policy.

(c) Received while riding as a passenger in a vehicle licensed to carry passengers for hire, but only:

• When going to an airport to board an aircraft on which you are covered by this policy; or
• When leaving an airport after alighting from such an aircraft.

(d) Received while upon airport premises designated for passenger use immediately before boarding or immediately after alighting from an aircraft on which you are covered by this policy.

Benefits will be paid as follows:

Loss of Life 100%

Loss of Both Feet, Both Hands or Both Eyes 100%

Loss of One Hand and One Foot 100%

Loss of One Hand and One Eye or One Foot and One Eye 100%

Loss of One Hand, One Foot or One Eye 50%

Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively.

Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.

Only one of the amounts shown above (the largest applicable) will be paid for Injuries resulting from one accident.

The benefit for loss of:

1. two limbs;
2. both eyes; or
3. one limb and one eye is payable only when such loss results from the same accident.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

An Insured must receive initial medical treatment within 2 days of the date of accident. Eligible Medical Expenses must be incurred within 180 days of the date of accident. This insurance does not cover injuries received while making a parachute jump (unless to save a life).

To receive benefits, loss must be independent of sickness and all other causes.

PART B EXPOSURE AND DISAPPEARANCE

If, while insured under Coverage A or Coverage B, an Insured is unavoidably exposed to the elements because of a covered accident and suffers a loss for which benefits are payable under Coverage A or Coverage B, such loss will be covered.

If, while insured under Coverage A or Coverage B, an Insured is in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which he or she is covered by Coverage A or Coverage B, and if his or her body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary, that he or she suffered loss of life as a result of those Injuries.

COVERAGE C

ACCIDENT AND SICKNESS MEDICAL EXPENSE

PART A DEFINITIONS

Covered Expense means expense incurred for services and supplies:

1. listed below; and
2. ordered or prescribed by a Legally Qualified Physician as Medically Necessary for diagnosis or treatment; which are limited to:
   1. The services of a Legally Qualified Physician;
   2. Hospital or ambulatory medical-surgical center services (this will also include expenses for a cruise ship cabin or hotel room, not already included in the cost of the Insured's Covered Trip, if recommended as a substitute for a hospital room for recovery of an Injury);
   3. Transportation furnished by a professional ambulance company to and/or from a Hospital;
   4. Prescribed drugs, prosthetics and therapeutic services and supplies.

PART B BENEFITS

Benefits will be paid for the expense incurred, up to the Maximum Benefit Amount, if an Insured incurs a Covered Expense as a result of a Sickness, which manifests itself during a Covered Trip or as a result of an accidental Injury that occurs during the Covered Trip. For Sickness, an Insured must receive initial Medical Treatment for the Sickness within 5 days of the onset of the Sickness. For Injury, an Insured must receive initial Medical Treatment for the Injury within 5 days after the date of the accident, which caused the Injury. All services, supplies or treatment must be received within the 180 days following the onset of the Sickness or within 180 days after the date of the accident.

Benefits will include expenses for emergency dental treatment due to Sickness or accidental Injury not to exceed $750.00.

Benefits will not be paid in excess of the Usual and Customary Charges.

Benefits will only be paid after benefits have been paid under any other group policy or contract which provides for payment of the medical expenses incurred.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

COVERAGE D EMERGENCY MEDICAL EVACUATION, MEDICAL REPATRIATION AND RETURN OF REMAINS

PART A BENEFITS

When an Insured suffers loss of life for any reason or incurs a Sickness or Injury during the course of a Covered Trip, the following benefits are payable, up to the Maximum Benefit Amount.

1. For Emergency Medical Evacuation: If the local attending Legally Qualified Physician and the authorized travel assistance company determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment.

   If an Insured dies during the Covered Trip or is in the Hospital for more than seven consecutive days and the Insured's dependent children who are under 18 years of age and accompanying the Insured on the Covered Trip, are left unattended, Economy Transportation will be paid to return the dependents to their home (with an attendant, if considered necessary by the travel assistance company).

   If an Insured is traveling alone and is in the Hospital for more than seven consecutive days and Emergency Evacuation is not imminent, upon request of the Insured or next of kin if Insured is incapacitated, benefits will be paid to transport one person, chosen by the Insured, by Economy Transportation, for a single visit to and from his or her bedside.

2. For Medical Repatriation:
   1. If the local attending Legally Qualified Physician and the authorized travel assistance company determine that it is Medically Necessary for an Insured to return to his or her place of permanent residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred will be paid for an Insured's return to his or her permanent residence via:
      1. one-way Economy Transportation; or
      2. commercial upgrade, based on an Insured's condition as recommended by the local attending Legally Qualified Physician and verified in writing.
      Transportation must be via the most direct and economical route.

   2. If the local attending Legally Qualified Physician and the authorized travel assistance company determine that it is Medically Necessary for an Insured to return to his or her place of permanent residence for continued treatment of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred will be paid for transportation to the Hospital or medical facility closest to an Insured's permanent place of residence capable of providing that treatment. Transportation must be by the most direct and economical route. Covered land or air transportation includes, but is not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the authorized travel assistance company.
   
   
3. For Return of Remains: In the event of an Insured's death, the expense incurred will be paid for the minimally necessary casket or air tray, preparation and transportation of an Insured's remains to his or her place of residence or to the place of burial.

Benefits are paid less the value of the Insured's original unused return travel ticket.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

PART B CONDITIONS

If benefits are payable under this Coverage D and an Insured has other insurance that may provide benefits for this same loss, the Company reserves the right to recover from such other insurance. An Insured shall:

1. notify the Company of any other insurance;
2. help the Company exercise the Company's rights in any reasonable way that the Company may request, including the filing and assignment of other insurance benefits;
3. not do anything after the loss to prejudice the Company's rights; and
4. reimburse to the Company, to the extent of any payment the Company has made, for benefits received from such other insurance.

COVERAGE E

TRIP CANCELLATION BENEFITS

Benefits will be paid up to the Maximum Benefit Amount purchased to cover an Insured for the Published Penalties and unused non-refundable prepaid expenses for Travel Arrangements when an Insured is prevented from taking his or her Covered Trip due to:

1. death of an Insured, Traveling Companion or Family Member of an Insured;

2. a covered Sickness or Injury involving an Insured, Traveling Companion or Family Member which necessitates Medical Treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents an Insured's participation in the Covered Trip;
3. an Insured or Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after the Effective Date) served with a court order to appear as a witness in a legal action in which an Insured or Traveling Companion is not a party (except law enforcement officers);
4. an Insured's or Traveling Companion's principal place of residence being rendered uninhabitable by burglary, fire, flood, volcano, earthquake, hurricane or other natural disaster within 10 days of departure;
5. an Insured or Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to an Insured's scheduled point of departure;
6. an Insured's accommodation at the Insured's destination made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
7. a documented theft of passports or visas;
8. a permanent transfer of employment of 250 miles or more;
9. Bankruptcy or Default of an airline or cruise line, or tour operator or travel supplier (other than the tour operator or travel agency from whom the Insured purchased their travel arrangements) causing a complete cessation of travel services more than 14 days following the Insured's Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow the Insured to transfer to another airline in order to get to the Insured's intended destination. This benefit only applies if the policy has been purchased prior to or within 24 hours of the Insured's final payment for the Covered Trip;
10. unannounced Strike that causes complete cessation of services of the Insured's Common Carrier for at least 24 consecutive hours;
11. Inclement Weather that causes complete cessation of the Insured's Common Carrier for at least 24 consecutive hours;
12. mechanical breakdown that causes complete cessation of the Insured's Common Carrier for at least 24 consecutive hours;
13. mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by local government authorities at your destination due to adverse weather or natural disaster. In order to cancel or interrupt your Covered Trip, you must have 4 days or 50% of your total Covered Trip length or less remaining on your Covered Trip at the time the mandatory evacuation ends;
14. Felonious Assault of the Insured or Traveling Companion within 10 days of the Scheduled Departure Date;
15. An Insured or Traveling Companion is in the military and called to emergency duty for a national disaster other than war;
16. involuntary employer termination or layoff affecting the Insured or a person(s) sharing the same room with the Insured during the Insured's Covered Trip. Employment must have been with the same employer for at least 3 continuous years;
17. a Terrorist Incident that occurs in a city listed on the itinerary of the Insured's Covered Trip and within 7 days prior to the Insured's Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the 60-day period prior to the Insured's Effective Date under this Policy. Benefits are not provided if the Travel Supplier offers a substitute itinerary;
18. revocation of the Insured's previously granted leave or re-assignment due to war. Official written revocation/re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;
19. the Insured's family or friends living abroad with whom the Insured was planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;

20. the primary or secondary school where the Insured, or the Insured's Family Member or Traveling Companion attend(s) must extend its operating session beyond its predefined school year or start earlier than its predefined school year, due to unforeseeable events commencing during the Policy effective period, which cause the extension of the predefined school year and the Scheduled Departure Date falls within the period of the school year extension. Extensions due to extra-curricular or athletic events are not covered.

Provided such circumstances occurred after the Insured's Effective Date.

If the Insured must reschedule the Covered Trip due to a covered reason they will be eligible for benefits up to a maximum of $150 for the reissue fee charged by the airline for the Insured's tickets.

The following limitation applies to Trip Cancellation: All cancellations must be reported directly to the Travel Supplier within 72 hours of the event causing the need to cancel, unless the event prevents it, and then as soon as is reasonably possible.

If the cancellation is not reported within the specified 72-hour period, the Company will not pay for additional charges which would not have been incurred had an Insured notified the Travel Supplier in the specified period. If the event prevents an Insured from reporting the cancellation, the 72-hour notice requirement does not apply; however, an Insured must, if requested, provide proof that said event prevented him or her from reporting the cancellation within the specified period.

The maximum payable under this benefit is the lesser of

1. total cost of the Insured's Covered Trip; or
2. the total amount of coverage the Insured purchased.

Single Supplement

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid Travel Arrangements if a Traveling Companion has his or her Covered Trip delayed, canceled or interrupted for a covered reason and an Insured does not cancel.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

COVERAGE F

TRIP INTERRUPTION BENEFITS

Benefits will be paid, up to the Maximum Benefit Amount, for the non-refundable, unused portion of the prepaid expenses for land or water Travel Arrangements and the Additional Transportation Cost paid to return home or rejoin the Covered Trip, when an Insured's arrival on the Covered Trip is delayed or an Insured is prevented from completing his or her Covered Trip due to:

1. death of an Insured, Traveling Companion or Family Member of an Insured;
2. a covered Sickness or Injury involving an Insured, Traveling Companion or Family Member which necessitates Medical Treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents an Insured's participation in the Covered Trip;
3. an Insured or Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after the Effective Date) served with a court order to appear as a witness in a legal action in which an Insured or Traveling Companion is not a party (except law enforcement officers);
4. an Insured's or Traveling Companion's principal place of residence being rendered uninhabitable by burglary, fire, flood, volcano, earthquake, hurricane or other natural disaster within 10 days of departure;
5. an Insured or Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to an Insured's scheduled point of departure;
6. an Insured's accommodation at the Insured's destination made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
7. a documented theft of passports or visas;
8. a permanent transfer of employment of 250 miles or more;
9. Bankruptcy or Default of an airline or cruise line, or tour operator or travel supplier (other than the tour operator or travel agency from whom the Insured purchased their travel arrangements) causing a complete cessation of travel services more than 14 days following the Insured's Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow the Insured to transfer to another airline in order to get to the Insured's intended destination. This benefit only applies if the policy has been purchased prior to or within 24 hours of the Insured's final payment for the Covered Trip;
10. unannounced Strike that causes complete cessation of services of the Insured's Common Carrier for at least 24 consecutive hours;
11. Inclement Weather that causes complete cessation of the Insured's Common Carrier for at least 24 consecutive hours;
12. mechanical breakdown that causes complete cessation of the Insured's Common Carrier for at least 24 consecutive hours;
13. mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by local government authorities at your destination due to adverse weather or natural disaster. In order to cancel or interrupt your Covered Trip, you must have 4 days or 50% of your total Covered Trip length or less remaining on your Covered Trip at the time the mandatory evacuation ends;
14. Felonious Assault of the Insured or Traveling Companion within 10 days of the Scheduled Departure Date;
15. An Insured or Traveling Companion is in the military and called to emergency duty for a national disaster other than war;
16. involuntary employer termination or layoff affecting the Insured or a person(s) sharing the same room with the Insured during the Insured's Covered Trip. Employment must have been with the same employer for at least 3 continuous years;
17. a Terrorist Incident that occurs in a city listed on the itinerary of the Insured's Covered Trip and within 7 days prior to the Insured's Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the 60-day period prior to the Insured's Effective Date under this Policy. Benefits are not provided if the Travel Supplier offers a substitute itinerary;
18. revocation of the Insured's previously granted leave or re-assignment due to war. Official written revocation/re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;
19. the Insured's family or friends living abroad with whom the Insured was planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;

20. the primary or secondary school where the Insured, or the Insured's Family Member or Traveling Companion attend(s) must extend its operating session beyond its predefined school year or start earlier than its predefined school year, due to unforeseeable events commencing during the Policy effective period, which cause the extension of the predefined school year and the Scheduled Departure Date falls within the period of the school year extension. Extensions due to extra-curricular or athletic events are not covered.

21. an Insured misses the cruise or tour departure because their airline flight is delayed for 3 or more hours due to:
    1. any delay of a Common Carrier. The delay must be certified by the Common Carrier; or
    2. Inclement Weather preventing the Insured from getting to the point of departure; or
    3. quarantine, hijacking, Strike, natural disaster, terrorism or riot.

Provided such circumstances occurred after the Insured's Effective Date and while coverage is in effect.

If the Insured must reschedule the Covered Trip due to a covered reason they will be eligible for benefits up to a maximum of $150 for the reissue fee charged by the airline for the Insured's tickets.

All cancellations must be reported to the Travel Supplier within 72 hours of the event causing the need to cancel. If the event delays the reporting of the cancellation beyond the 72 hours, the event should be reported as soon as possible. All other delays of reporting beyond 72 hours will result in reduced benefit payments.

If a Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation and transportation expenses incurred by an Insured to remain with the Traveling Companion up to $150 per day and limited to 10 days.

If an Insured cannot continue travel due to a covered Injury or Sickness not requiring hospitalization, and an Insured must extend his or her Covered Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will also be paid for reasonable accommodation and transportation expenses incurred by an Insured up to $150 per day and limited to 10 days.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

COVERAGE G

TRIP DELAY BENEFITS

PART A TRIP DELAY

If an Insured is delayed for 6 hours or more during the Covered Trip, due to:

1. any delay of a Common Carrier. The delay must be certified by the Common Carrier;
2. a traffic accident in which an Insured or Traveling Companion are directly involved (must be substantiated by a police report);
3. lost or stolen passports, travel documents or money (must be substantiated by a police report); or
4. quarantine, hijacking, strike, natural disaster, terrorism or riot;
5. documented weather condition preventing the Insured from continuing on the Covered Trip;

Benefits will be paid on a one-time basis, up to the Maximum Benefit Amount, for Reasonable expenses for hotel accommodations, telephone calls, meals and local transportation up to $150 per day necessarily incurred by an Insured for which he or she has proof of purchase and which were not paid for or provided by any other source; and

PART B PET CARE

If the Insured is delayed by a Common Carrier while en route to their return destination after the Covered Trip is completed and has placed their cat or dog in a kennel for the duration of the Covered Trip and the Insured is unable to collect them on the day previously agreed with the kennel, benefits will be paid at $25 per day, on a one-time basis, up to the Maximum Benefit Amount to cover the necessary additional kennel fees.

PART C CONDITIONS

The Insured must provide the following documentation when presenting a claim for these benefits:

1. Written confirmation of the reasons for delay from the Common Carrier whose delay resulted in the loss, including but not limited to; scheduled departure and return times and actual departure and return times;
2. Written confirmation from the kennel advising the original pick-up date and the actual pick-up date.

Benefits will not be paid for any expenses, which have been reimbursed, or for any services that have been provided by the Common Carrier.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

COVERAGE H

BAGGAGE AND PERSONAL EFFECTS

PART A DEFINITIONS

Baggage and Personal Effects means luggage, personal possessions and travel documents taken by an Insured during a Covered Trip. The term Baggage and Personal Effects does not include:

1. animals;
2. automobiles and automobile equipment;
3. boats or other vehicles or conveyances;
4. trailers;
5. motors;
6. aircraft;
7. bicycles, except when checked as baggage with a Common Carrier;
8. household effects and furnishings;
9. antiques and collectors items;
10. sunglasses, contact lenses, artificial teeth, dental bridges or hearing aids;
11. prosthetic limbs;
12. prescribed medications;
13. keys, money, credit cards (except as coverage is otherwise specifically provided herein),
14. securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);
15. professional or occupational equipment or property, whether or not electronic business equipment; or
16. telephones, computer hardware or software.

PART B BENEFITS

For Baggage and Personal Effects: Coverage will be provided to an Insured:

1. against all risks of permanent loss, theft or damage to baggage and personal effects;
2. subject to all Exclusions and Limitations in the policy;
3. up to the Maximum Benefit Amount; and
4. occurring while this coverage is in force.

The lesser of the following amounts will be paid:

1. the Actual Cash Value at the time of loss, theft or damage;
2. the cost to repair or replace the article with material of a like kind and quality; or
3. $300 per article.

A combined maximum of $600 will be paid for jewelry, watches, articles consisting in whole or in part of silver, gold or platinum, articles trimmed with fur, cameras and their accessories and related equipment.

A maximum of $100 will be paid for the cost of replacing a passport or visa.

A maximum of $100 will be paid for the cost associated with the unauthorized use of lost or stolen credit cards, subject to verification that the Insured has complied with all conditions of the credit card company.

PART C CONDITIONS

Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

ADDITIONAL LIMITATIONS AND EXCLUSIONS SPECIFIC TO BAGGAGE AND PERSONAL EFFECTS

Benefits are not payable for any loss caused by or resulting from:

1. breakage of brittle or fragile articles;
2. wear and tear or gradual deterioration;
3. confiscation or appropriation by order of any government or custom's rule;
4. property illegally acquired, kept, stored or transported;
5. an Insured's negligent acts or omissions; or
6. property shipped as freight or shipped prior to the Scheduled Departure Date.

ADDITIONAL CLAIMS PROVISIONS SPECIFIC TO BAGGAGE

Insured's duties after loss of or damage to property or delay of baggage: In case of loss, theft, damage or delay of Baggage and Personal Effects, and Insured must:

1. take all reasonable steps to protect, save or recover the property:
2. promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of an Insured's property at the time of loss:
3. produce records needed to verify the claim and its amount, and permit copies to be made:
4. provide to the Company, within 90 days from the date of loss, a detailed proof of loss signed and sworn to: and
5. have Baggage and Personal Effects be examined, if requested.

Reductions in the Amount of Insurance: The applicable benefit amount will be reduced by the amount of benefits, if any, previously paid for any loss or damage under this coverage for this Covered Trip.

No Benefit to Bailee: This insurance shall not benefit any Common Carrier or bailee.

PART D BAGGAGE DELAY BENEFITS

If, while on a Covered Trip, an Insured's checked baggage is delayed or misdirected by a Common Carrier for more than 24 hours from his or her time of arrival at a destination other than at his or her place of permanent residence, benefits will be paid, up to the Maximum Benefit Amount, for the actual expenditure for necessary personal effects. An Insured must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim.

COVERAGE I

COLLISION DAMAGE WAIVER

(Not available to residents of OR and TX)

The Insured is eligible for benefits up to the Maximum Benefit Amount if the Insured rents a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in the Insured's control while in the Insured's possession, or the car is stolen while in the Insured's possession and is not recovered. The Company will pay the lesser of:

(a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

(b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

(c) The amount shown on the Schedule.

Coverage is provided to the Insured, provided the Insured is a license driver and is listed on the rental agreement.

Coverage is not provided for loss due to:

1. Any obligation of the Insured, a Traveling Companion or Family Member traveling with the Insured assumed under any agreement (except insurance collision deductible);
2. Rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;
3. Any loss which occurs if the Insured or anyone traveling with the Insured are in violation of the rental agreement;
4. Failure to report the loss to the proper local authorities and the rental car company;
5. Damage to any other vehicle, structure or person as a result of a covered loss;
6. Any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;
7. Any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); contamination by a radioactive material;

ADDITIONAL CLAIMS PROVISIONS SPECIFIC TO COLLISION DAMAGE WAIVER

The following outlines the Insured's duties in the event of any damage to the vehicle. The Insured must:

1. Take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;
2. Report the loss to the appropriate local authorities and the rental company as soon as possible;
3. Obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver's license number;
4. Provide the Company all documentation such as rental agreement, police report and damage estimate.

DEFINITIONS

In the Certificate, "you", "your" and "yours" refer to the Insured. "We", "us" and "our" refer to the company providing this coverage. In addition, certain words and phrases are defined as follows:

Actual Cash Value means purchase price less depreciation.

Additional Transportation Cost means the actual cost incurred for one-way Economy Transportation by Common Carrier reduced by the value of an unused travel ticket.

Bankruptcy means the filing of a petition for voluntary or involuntary bankruptcy in a court of competent jurisdiction under Chapter 7 or Chapter 11 of the United States Bankruptcy Code 11 L.S.C. Subsection 101 et seq.

Common Carrier means any land, sea, and/or air conveyance operating under a valid license for the transportation of passengers for hire.

Covered Trip means:

1. a period of round-trip travel away from the Insured's primary place of residence 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 enrolls; the trip does not exceed 365 days; or
2. a period of one-way travel that starts in the U.S. or Canada (except U.S. citizens may begin their trip outside the U.S., if returning to the U.S.); 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 arrival places specified when the Insured applies; and the trip does not exceed 31 days in length.

Default means the inability to provide contracted services due to a material financial failure.

Domestic Partner means a person who is at least eighteen years of age and can show evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations; plus one of the following:

1. evidence of continuous cohabitation throughout the 180 day period prior to the Insured's Effective Date of the Plan; or
2. an affidavit of domestic partnership if recognized by the jurisdiction within which they reside.

Economy Transportation means the lowest published available transportation rate for a ticket on a Common Carrier matching the original class of transportation that the Insured purchased for the Covered Trip, reduced by the value of an unused return travel ticket.

Exotic Vehicle includes

• Alfa Romeo,
• Aston Martin,
• Auburn,
• Avanti,
• Bentley,
• Bertone,
• BMC/Leyland,
• BMW M Series,
• Bradley,
• Bricklin,
• Clenet,
• Corvette,
• Cosworth,
• De Lorean,
• Excalibre,
• Ferrari,
• Fiat,
• Iso,
• Jaguar,
• Jensen Healy,
• Lamborghini,
• Lancia,
• Lotus,
• Maserati,
• Mercedes Benz,
• MG,
• Morgan,
• Pantera,
• Panther,
• Pininfarina,
• Porsche,
• Rolls Royce,
• Rover,
• Stutz,
• Sterling,
• Triumph, and
• TVR.

The Insured must call the Company's authorized administrator before renting to obtain confirmation that the vehicle is covered.

Family Member means any of the following: an Insured's or an Insured's Traveling Companion's:

• legal spouse (or common-law spouse where legal),
• legal guardian,
• 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),
• grandchild,
• aunt,
• uncle,
• niece or nephew,
• Domestic Partner,
• an employed caregiver who lives with the Insured, or
• a person for whom the Insured is the primary caregiver with whom the Insured have lived for 12 continuous months prior to the effective date of the Insured's Plan, whether or not they travel with the Insured.

Hospital means

1. a place which is licensed or recognized as a general hospital by the proper authority of the state in which it is located:
2. a place operated for the care and treatment of resident inpatients with a registered graduate nurse (RN) always on duty and with a laboratory and X-ray facility:
3. a place recognized as a general hospital by the Joint Commission on the Accreditation of Hospitals.

Not included is a hospital or institution licensed or used principally:

1. for the treatment or care of drug addicts or alcoholics: or
2. as a clinic continued or extended care facility, skilled nursing facility, convalescent home, rest home, nursing home or home for the aged.

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

Injury or Injuries means accidental bodily injuries:

1. received while insured under this policy and any attached coverages:
2. resulting in loss independently of sickness and all other causes.

Insured means the individual who has arranged a Covered Trip and who has paid the required premium.

Intoxicated means a blood alcohol level that equals or exceeds the legal limit for operating a motor vehicle in the state or jurisdiction where an Insured is located at the time of an incident.

Legally Qualified Physician means a physician

1. other than an Insured, a Traveling Companion or a Family Member:
2. practicing within the scope of his or her license: and
3. recognized as a physician in the place where the services are rendered.

Maximum Benefit Amount means the maximum amount payable for each coverage as shown in the Schedule of Coverages.

Medical Treatment means treatment, advice or consultation given in person by a Legally Qualified Physician.

Medically Necessary means a service or supply which:

1. is recommended by the attending Legally Qualified Physician:
2. is appropriate and consistent with the diagnosis in accord with accepted standards of community practice:
3. could not have been omitted without adversely affecting an Insured's condition or quality of medical care:
4. is delivered at the most appropriate level of care and not primarily for the sake of convenience: and
5. is not considered experimental unless coverage for experimental services or supplies is required by law.

Pre-existing Condition means any injury, sickness or condition of the Insured or Traveling Companion, or Family Member for which within the 180 day period prior to the Insured's Effective Date under this Policy which

1. manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; or
2. required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or
3. required medical treatment or treatment was recommended by a Legally Qualified Physician.

Published Penalties means any published cancellation penalties issued by the Insured's travel agency or Travel Supplier that apply to all clients of the travel agency or Travel Supplier and can be documented at time of the Covered Trip sale. The Insured must be in the Travel Supplier's penalty period. The maximum amount reimbursable under the travel agency's Published Penalties is 10% of the Covered Trip cost (excluding taxes and other non-commissionable items) or 10% of the amount the Insured has paid, whichever is less. Maximum payable under any one claim is the Covered Trip cost, excluding taxes and other non-commissionable items.

Schedule of Coverages means the coverage confirmation provided to an Insured following enrollment and payment of the applicable premium.

Scheduled Departure Date means the date on which an Insured is originally scheduled to leave on the Covered Trip.

Scheduled Return Date means the date on which an Insured is originally scheduled to return to the point of origin or the original final destination.

Sickness means an illness or disease that is diagnosed or treated by a Legally Qualified Physician after the effective date of insurance and while the Insured is covered under this Policy.

Strike means any stoppage of work:

1. as a result of a combined effort of workers which was unannounced and unpublished at the time travel services were purchased: and
2. which interferes with the normal departure and arrival of a Common Carrier.

Terrorist Incident means an act of violence that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization that is generally recognized as having the intent to overthrow or influence the control of any government.

Third Party means a person or entity other than an Insured or the Company.

Transportation Expense means:

1. the cost of conveyance of an Insured and any medical personnel (if Medically Necessary): and
2. Medically Necessary services or supplies.

Travel Arrangements means:

1. transportation:
2. accommodations: and
3. other specified services arranged by the Travel Supplier for the covered trip.

Traveling Companion means a person or persons with whom the Insured has coordinated Travel Arrangements and intends to travel with during the Covered Trip. A group or tour leader is not considered a Traveling Companion unless the Insured is sharing room accommodations with the group or tour leader.

Travel Supplier means any entity or organization that coordinates or supplies travel services for an Insured.

Usual and Customary Charges means those comparable charges for similar treatment, services and supplies in the geographic area where treatment is performed.

GENERAL LIMITATIONS AND EXCLUSIONS

Benefits are not payable for Sickness, Injuries or losses of an Insured or an Insured's Traveling Companion caused by or resulting from:

1. suicide, attempted suicide or any intentionally self-inflicted injury (except as a result of a mental or nervous disorder in CT) while sane or insane (while sane in CO & MO);
2. mental, nervous, or psychological disorders;
3. an act of declared or undeclared war;
4. participating in maneuvers or training exercises of an armed service;
5. riding, driving or participating in races, or speed or endurance contests;
6. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);
7. participating as a member of a team in an organized sporting competition;
8. participating in skydiving, hang gliding, bungee cord jumping;
9. piloting or learning to pilot or acting as a member of the crew of any aircraft;
10. being Intoxicated or under the influence of any controlled substance unless administered on the advise of a Legally Qualified Physician;
11. a contributory cause was the commission of or attempt to commit a felony or being engaged in an illegal occupation;
12. normal childbirth, normal pregnancy (except complications of pregnancy) or voluntary induced abortion;
13. a Pre-existing Condition, as defined in this policy. The Pre-existing Condition Limitation does not apply to:
    1. Emergency Medical Evacuation, Medical Repatriation and Return of Remains coverage, Accidental Death & Dismemberment (Coverage A and Coverage B), Baggage and Personal Effects. Baggage Delay, and Collision Damage Waiver; or
    2. to coverage purchased prior to or within 24 hours of the final payment for the Covered Trip and if the Insured is medically able to travel when payment is made for the insurance;
14. loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act and regardless of any other sequence thereto;
15. participation as a professional in athletics;
16. riding or driving in any motor competition;
17. civil disorder (does not apply to Trip Delay);
18. any amount paid or payable under any Worker's Compensation, Disability Benefit or similar law;
19. elective treatment and procedures;
20. medical treatment during or arising from a Covered Trip undertaken for the purpose or intent of securing medical treatment;
21. business, contractual or education obligations of you, a Family Member or a Traveling Companion;
22. failure of any tour operator, Common Carrier, or other Travel Supplier, person or agency to provide the bargained-for travel arrangements;
23. a loss that results from an illness, disease, or other condition, event or circumstance that occurs at a time when the plan is not in effect for you.

MASTER POLICY PROVISIONS

Entire Contract: Changes: This policy, and any attachments is the entire contract of insurance. No agent may change it in any way. Only an officer of the Company can approve a change. Any such change must be shown in the policy.

Policy Term and Renewal: This policy is issued for an initial term that will begin on the Policy Date and will be for a period of time specified in the attached Application.

Premiums and Payment of Premiums: The premiums for an Insured's coverage provided under this policy are shown in the Schedule of Coverages. An Insured's premium is due prior to his or her Scheduled Departure Date. All premiums should be submitted to the Company or to an authorized agent of the Company. Premiums are non-refundable except when an Insured is covered under more than one travel policy with the Company for each Covered Trip, or unless required by applicable state statutes.

Clerical Error: Clerical error on the Company's part or that of a Travel Supplier in keeping records or furnishing information will not void an Insured's coverage if it is otherwise validly in force; nor will it continue an Insured's coverage if it is otherwise validly terminated under the terms of this policy.

Conformity with State Statutes: The provisions of this policy must conform to the laws of the state in which the policy is issued. If any do not, they are hereby amended to conform.

Subrogation: If the Company has made a payment for a loss under this coverage, and the person to or for whom payment was made has a right to recover damages from the Third Party responsible for the loss, the Company will be subrogated to that right. An Insured shall help the Company exercise the Company's rights in any reasonable way that the Company may request: nor do anything after the loss to prejudice the Company's rights: and in the event an Insured recovers damages from the Third Party responsible for the loss, the Insured will hold the proceeds of the recover for the Company in trust and reimburse the Company to the extent of the Company's previous payment for the loss.

Arbitration: Any claim arising out of or relating to this contract, or the breach thereof, may be settled by arbitration. The arbitration will be conducted pursuant to the applicable rules of the American Arbitration Association in accordance with the Uniform Arbitration Act 710 ILCS 5/1 et seq within a reasonable time limit (30 days after the parties agree to arbitrate their dispute is a reasonable time limit for selecting and appointing independent arbitrators; 15 days is a reasonable time limit for an expedited review provision). The arbitration may be binding on both parties or non-binding upon the insured, but in all instances must be entered into on a voluntary basis. Arbitrators must be fair, impartial, and free of all conflicts of interest or the appearance of a conflict of interest. The rules and judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. All fees and expenses of the arbitration shall be borne by the parties equally. However, each party shall bear the expense of its own counsel, experts, witnesses, and preparation and presentation of proofs.

By voluntarily agreeing to enter into an arbitration proceeding, the parties should be aware and understand that they may be giving up certain rights to have their dispute settled in and by a court of law, except to the extent that Illinois law may provide for judicial review of arbitration proceedings.

An arbitration provision is not a substitute for a person's right to maintain a legal action if he or she so desires; and in no way affects or limits the person's ability to take legal action in a court of law, prior to voluntarily agreeing to enter into an arbitration proceeding. Furthermore, it in no way affects a person's ability to file a claim with the Illinois Department of Insurance in connection with a claim or dispute. To contact the Department write to: The Illinois Department of Insurance, Consumer Services Division, Springfield, Illinois 62767.

GENERAL CLAIMS PROVISIONS

Notice of Claim: Notice of claim must be reported within 30 days after a loss occurs or as soon as is reasonably possible. An Insured or someone on an Insured's behalf may give the notice. The notice should be given to the Company or designated representative and should include sufficient information to identify the Insured.

Claim Forms: When notice of claim is received by the Company or designated representative, forms for filing proof of loss will be furnished. If these forms are not sent within 15 days, the proof of loss requirements can be met by sending a written statement of what happened. This statement must be received within the time given for filing proof of loss.

Proof of Loss: Proof of loss must be provided within 90 days after the date of the loss or as soon as is reasonably possible. Proof must, however, be furnished no later than 12 months from the time it is otherwise required, except in the absence of legal capacity.

Time of Payment of Claims: The Company or its designated representative, will pay the claim after receipt of acceptable proof of loss.

Payment of Claims: Benefits for loss of life are payable to the Principal Insured, who is the beneficiary for all other Insureds. If:

1. the Principal Insured predeceases an Insured: and
2. a beneficiary is not otherwise designated by the Principal Insured benefits for loss of life will be paid to the first of the following surviving preference beneficiaries:

1. the Principal Insured's spouse;
2. the Principal Insured's child or children jointly;
3. an Insured's parents jointly if both are living or the surviving parent if only one survives;
4. an Insured's brothers and sisters jointly; or
5. the Principal Insured's estate.

All or a portion of all other benefits provided by this policy may, at the option of the Company, be paid directly to the provider of the service(s). All benefits not paid to the provider will be paid to the Principal Insured.

Other than for loss of life, if any benefit is payable to:

1. an Insured or the Principal Insured's beneficiary who is minor or otherwise not able to give a valid release: or
2. the Principal Insured's estate: the Company may pay up to $1,000.00 to the Principal Insured's beneficiary or any relative to whom the Company finds entitled to the payment.

Any payment made in good faith shall fully discharge the Company to the extent of such payment.

Excess Insurance: The insurance provided by this Policy shall be in excess of all other valid and collectible Insurance or indemnity. If at the time of the occurrence of any loss there is other valid and collectible insurance or indemnity in place, the Company shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable deductible. Recovery of losses from other parties does not result in a refund of premium paid. This provision does not apply to Baggage and Personal Effects or Collision Damage Waiver.

Physician Examination and Autopsy: The Company, at the expense of the Company, may have an Insured examined when and as often as is reasonable while the claim is pending. The Company may have an autopsy done (at the expense of the Company) where law does not forbid it.

Legal Actions: No legal action for a claim can be brought against us until 60 days after we receive proof of loss. No legal action for a claim can be brought against us more than 3 years after the time required for giving proof of loss. This 3-year time period is extended from the date proof of loss is filed and the date the claim is denied in whole or in part.

Concealment and Misrepresentation: The entire coverage will be void, if before, during or after a loss, any material fact or circumstance relating to this insurance has been concealed or misrepresented.

Other Insurance with the Company: An Insured may be covered under only one travel policy with the Company for each Covered Trip. If an Insured is covered under more than one such policy, he or she may select the coverage that is to remain in effect. In the event of death, the selection will be made by the beneficiary or estate. Premiums paid (less claims paid) will be refunded for the duplicate coverage that does not remain in effect.

TRAVEL INSURANCE IS UNDERWRITTEN BY:

United States Fire Insurance Company, Eatontown, New Jersey under Policy / Certificate Form series TP-401.

WHERE TO PRESENT A CLAIM

All claims should be presented to the Program Administrator:

CSA Travel Protection

P. O. Box 939057

San Diego, CA 92193-9057

(800) 541-3522 (Toll-Free)

STATE EXCEPTIONS

California

For California residents, the following amendments apply:

1. Sickness Medical Expense, the term "manifest itself" is replaced with "occurs".
   
   
2. Definitions, the definition of Pre-Existing conditions is amended by deleting the following:
   1. manifested itself, became acute, or exhibited symptoms which would have caused one to seek diagnosis, care or treatment.

3. General Limitations and Exclusions, Number 13 is amended by adding the following to the last sentence: "or (c) Sickness Medical Expense coverage."
4. General Limitations and Exclusions, the following exclusion is added:

due to a condition for which the Insured or Traveling companion, or the Insured's and/or Traveling Companion's Family Member or the Insured's Business Partner has received advice 2-months prior to the coverage effective date from a Legally Qualified Physician advising against travel."

This Endorsement will not vary, alter or extend any agreement, provision, condition or declaration of the Policy other than as stated above.

Florida

It is agreed and understood that the following changes apply to residents of Florida; all other terms and conditions remain unchanged.

Legal Actions is deleted and replaced with the following:

Legal Actions: No legal action for a claim can be brought against us until 60 days after we receive proof of loss. No legal action for a claim can be brought against us more than 5 years after the time required for giving proof of loss. This 5-year time period is extended from the date proof of loss is filed and the date the claim is denied in whole or in part.

Except as stated herein, this Amendatory Endorsement does not change coverage in any other way and is subject to all provisions, terms, and conditions of the Policy. If there is a conflict between the Policy and this Amendatory Endorsement, the terms of this Amendatory Endorsement will govern.

Illinois

This Amendatory Endorsement changes the Policy, as follows:

"Pre-existing Condition" means any disease, illness, sickness, malady or condition of an Insured, or Traveling Companion, or the Insured's and/or Traveling Companion's Family Member, or the Insured's Business Partner for which: medical advice, diagnosis, consultation, or treatment was received from a Legally Qualified Physician within 6-months prior to the effective date of coverage; or

Symptoms existed within 6-months prior to the effective date of coverage which, in the opinion of a Legally Qualified Physician, would indicate that the disease, illness, sickness, malady or condition probably began and manifested itself prior to the effective date of coverage and would cause a reasonable person to seek diagnosis, care, or treatment.

All claims will be paid within 30-days after receipt of due written proof of loss. If we have not paid the claim within this timeframe, we will pay interest at the rate of 9% from the 30^th day after receipt of all necessary proof of loss, to the date of payment. We will not pay interest amounting to less than one dollar.

Except as stated herein, this Amendatory Endorsement does not change coverage in any other way and is subject to all provisions, terms, and conditions of the Policy. If there is a conflict between the Policy and this Amendatory Endorsement, the terms of this Amendatory Endorsement will govern.

Louisiana

The provision entitled Concealment and Misrepresentation is amended to read: Concealment and Misrepresentation: The entire coverage will be void, if when applying for coverage, You made a fraudulent statement or misrepresentation with the intent to deceive. Fraud or misrepresentation with the intent to deceive after coverage is enforce is grounds for cancellation and grounds to deny coverage for benefits related to such fraud, concealment, or misrepresentation. Coverage for other benefits will continue until the cancellation is effective.

The provision entitled Subrogation is amended to read:

Subrogation: If we make any payment under this policy and the person to or for whom payment is made has a right to recover damaged from another the company shall be subrogated to that right. However, the companies right to recover is subordinate to Your right to be fully compensated.

The provision entitled Legal Actions is amended to read:

Legal Actions: No legal action for a claim can be brought against us until 45 days after we receive proof of loss. No legal action for a claim can be brought against us more than 3 years after the time required for giving proof of loss. This 3- year time period is extended from the date that proof of loss is filed and the date the claim is denied in whole or in part.

South Dakota

In the provision entitled "Legal Actions", the 3 year time period is amended to read "6-years". The exclusion that states: "received as a result or consequence of being Intoxicated, as specifically defined in the policy, or under the influence of any controlled substance unless administered on the advise of a Legally Qualified Physician;" does not apply to South Dakota residents except to the extent that the action is a felony or attempted felony. Regarding any covered emergency dental expenses, "sound natural teeth" means a person's natural teeth that are considered sound prior to the accident. Minor dental work on a tooth, including fillings will not, by itself, cause the tooth to be considered unsound or not natural.

Texas Residents

The provision entitled "Notice of Claim" is amended by the addition of the following paragraphs:

The Company shall, not later than the 15th day after receipt of such notice of a claim: acknowledge receipt of the claim; commence any investigation of the claim; and request from the Claimant all items, statements, and forms that the Company reasonably believes, at that time, will be required from the claimant. Additional requests may be made if during the investigation of the claim such additional requests are necessary.

If the acknowledgement of the claim is not made in writing, the Company shall make a record of the date, means, and content of the acknowledgement.

The Company shall notify a claimant in writing of the acceptance or rejection of the claim not later than the 15th business day after the date the Company receives all items, statements, and forms required by the Company, in order to secure final proof of loss. If the company rejects the claim, the Company will inform the Claimant of the reasons for the rejection. If the Company is unable to accept or reject the claim within 15 business days after the date the Company receives all items, statements, and forms required by the Company, the Company shall notify the claimant within such 15 business day period. The notice provided must give the reasons that the Company needs additional time. Not later than the 45th day after the date the Company notifies a Claimant of the need for additional time to investigate a claim, the Company shall accept or reject the claim.

Except as otherwise provided, if the Company delays payment of a claim following its receipt of all items, statements, and forms reasonably requested and required for more than 60 days, the Company shall pay, in addition to the amount of the claim, 18 percent per annum of the amount of such claim as damages, together with reasonable attorney fees. If suit is filed, such attorney fees shall be taxed as part of the costs in the case.

"Business Day" means a day other than a Saturday, Sunday, or holiday recognized by Texas.

The provision entitled "Payment of Claim" is amended by the addition of the following paragraph:

If the Company notifies a claimant that the Company will pay a claim or part of a claim, the Company shall pay the claim not later than the fifth business day after the notice has been made. If the claimant conditions payment of the claim or part of the claim on the performance of an act, the Company shall pay the claim not later than the fifth business day after the date the act is performed.

The "Proof of Loss" provision is amended to read:

The Claimant must send the Company, or its designated representative, proof of loss within ninety-one (91) days after a covered loss occurs or as soon as reasonably possible.

INSURING PROVISIONS, is amended by the addition of the following:

Coverage will not end solely because a person becomes an elected official in Texas.

Utah

The definition of Family Member is amended to include a child placed for adoption with the Insured.

The provision entitled Proof of Loss is amended to read:

Proof of loss must be provided within 90 days after the date of the loss or as soon as is reasonably possible. Failure to give notice or file proof of loss does not bar recovery under the policy if the Company fails to show that it was prejudiced by the failure to provide proof in a timely manner.

The provision entitled Time of Payment of Claim is amended to read:

The Company, or its designated representative, will pay the claim within 30 days after receipt of acceptable proof of loss.

Wisconsin

The provision entitled "Subrogation" is amended to read:

Subrogation: If the Company has made a payment for a loss under this coverage, and the person to or for whom payment was made has a right to recover damages from the Third Party responsible for the loss, the Company will be subrogated to that right. An Insured shall help the Company exercise the Company's rights in any reasonable way that the Company may request: nor do anything after the loss to prejudice the Company's rights: and in the event an Insured recovers damages from the Third Party responsible for the loss, the Insured will hold the proceeds of the recover for the Company in trust and reimburse the Company to the extent of the Company's previous payment for the loss. No subrogation will take place until the Insured is made whole.

In the General Limitations and Exclusions section, the exclusion related to device, weapon or material employing or involving chemical, biological, radiological or similar agents is deleted in its entirety.

DESCRIPTION OF I.D. THEFT PROTECTION SERVICES

This plan is brought to you by Intersections, Inc. and administered by CSA Insurance Services

(ONLY available to U.S. residents)

AVAILABLE SERVICES AND COVERAGE

Identity theft protection services and insurance coverage are provided along with the CSA Travel Protection plans. A description of the service, insurance coverage and terms of use is contained in this document.

The services and coverage are only available to persons whose primary residence is in the United States. This plan is administered by CSA Insurance Services.

AVAILABILITY OF SERVICES AND COVERAGE

The Identity Theft Protect Services and Identity Theft Insurance become available at the start of your trip. Services end 180 days (six months)from the date of your scheduled trip departure.

IDENTITY THEFT PROTECTION SERVICES

If you suspect someone has compromised your identity, call us toll-free at (800) 348-9505 and ask to be connected with the Identity Theft Recovery Unit.

The Identity Theft Recovery Unit offers fast and responsive support to victims of identity theft. This unit's trained fraud specialists will help guide you through the necessary steps of restoring your credit profile. Specialists are proactive in contacting the credit reporting agencies,

creditors and in providing helpful information to assist you with recovering and restoring your credit. The service provides the following benefits:

• Obtain a three-bureau credit report with your authorization.
• Assistance reviewing your report to review and identify instances of suspected fraud.
• Assistance in placing fraud alerts at all three credit reporting agencies at your request.
• Dispute letters written on your behalf for you to review and sign, and for you to forward to Bureaus and Creditors.
• Assistance with contacting law enforcement agencies.
• A "Recovering from Identity Theft" information kit, including a copy of the three-bureau report which was reviewed.
• Convenient toll-free access to the Identity Theft Recovery Unit for follow-up questions or concerns.
• Sixmonths of daily monitoring and alert service at all three bureaus.

IDENTITY THEFT INSURANCE

In addition to receiving assistance from the Identity Theft Recovery Unit, you are eligible for up to $20,000 in financial reimbursement, with no deductible, for certain expenses associated with identity theft at no additional cost to you.

Your $20,000 coverage includes:

• Lost wages (up to $500 per week for a maximum of four weeks) as a result of time taken off work to deal with the fraud, including wrongful incarceration. Lost wages must occur during the policy period.
• Notary and certified mailing costs for completing and delivering fraud affidavits or similar documents.
• Loan application fees incurred when reapplying for loans when the original application is rejected solely because the lender received incorrect information due to identity theft.
• Long-distance phone charges associated with reporting or discussing an actual identity fraud.
• Attorney fees incurred (with prior Intersections consent) for defending suits
  1. brought incorrectly by merchants and their collection agencies,
  2. for removing criminal or civil judgments wrongly entered against an Insured Person, and
  3. for information in a consumer credit file.

The full details of your coverage are set forth in the following Certificate of Insurance. Insurance underwritten by Travelers Casualty and Surety company of America and its property casualty affiliates, Hartford, CT 06183. Coverage for all claims or losses depends on actual policy provisions. Availability of coverage can depend on underwriting qualifications and stat regulations. Coverage not available for residents of New York.

CERTIFICATE OF INSURANCE FOR THE IDENTITY FRAUD EXPENSE COVERAGE MASTER POLICY

This Certificate of Insurance is a coverage description intended to provide important information about the protection available to an Insured Person under the Identity Fraud Expense Coverage Master Policy (the "Master Policy"). Keep this coverage description for your records. This coverage description is not an insurance policy and does not amend, extend or alter the coverage afforded by the Master Policy described herein. Terms shown in bold in this coverage description are defined in the Master Policy. The insurance afforded by the Master Policy as described herein is subject to all the terms, exclusions and conditions of such Master Policy. The policy period is specified in the Master Policy.

Policy Number: 104391562

Underwritten by:

Travelers Casualty and Surety Company of America Hartford, CT 06183 ("Travelers")

to provide insurance to an Insured Person as described in this Certificate

Limit of Insurance for any one loss:

Limit of Insurance = $20,000

Deductible = $0

The Master Policy has been issued to:

Intersections Inc.

Chantilly, VA 20151

(the "Master Policy Holder")

General Information:

Should you have any questions regarding the Membership Program provided by the Master Policy Holder, or wish to view a complete copy of the Master Policy, please call the customer service number located in your membership materials.

Filing a Claim:

To file a claim under the Master Policy, please contact CSA

Travel Protection. Telephone: (800) 348-9505.

INSURING AGREEMENT

IDENTITY FRAUD EXPENSE COVERAGE

To reimburse an Insured Person for Expenses incurred by the Insured Person as the direct result of any one Identity Fraud discovered during the policy period.

Only an Insured Person will be entitled to coverage under this Insuring Agreement (1).

CONDITIONS

1. Definitions:
   1. "Expenses" means
      1. Costs for notarizing fraud affidavits or similar documents for financial institutions or similar credit grantors or credit agencies that have required that such affidavits be notarized.
      2. Costs for certified mail to law enforcement agencies, credit agencies, financial institutions or similar credit grantors.
      3. Lost wages as a result of time taken off from work to meet with, or talk to, law enforcement agencies, credit agencies and/or legal counsel, to complete fraud affidavits, or due to wrongful incarceration arising solely from someone having committed a crime in the Insured Person's name up to a maximum payment of $500 per week for a maximum period of four weeks. Lost wages shall not apply in the case of wrongful incarceration absent all charges being dropped or an acquittal.
      4. Loan application fees for re-applying for a loan or loans when the original application is rejected solely because the lender received incorrect credit information.
      5. Charges incurred for long distance telephone calls to merchants, law enforcement agencies, financial institutions or similar credit grantors, or credit agencies to report or discuss an actual Identity Fraud.
      6. Reasonable attorney fees incurred, with the Company's prior consent, for:
         1. defense of lawsuits brought against the Insured Person by merchants or their collection agencies,
         2. the removal of any criminal or civil judgments wrongly entered against an Insured Person, and
         3. challenging the accuracy or completeness of any information in a consumer credit report.
   2. "Identity Fraud" means the act of knowingly transferring or using, without lawful authority, a means of identification of an Insured Person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law or a felony under any applicable state or local law.
   3. "Insured Person" means any natural person who is currently subscribed to a Membership Program or affinity group that has been specifically expanded by the MasterPolicy Holder to include the protection afforded by the Master Policy.
   4. "Master Policy Holder" means Intersections Inc.
   5. "Membership Program" means a membership program sponsored by the Master Policy Holder and that is specifically named within an endorsement attached to the Master Policy.
   6. "Policy Period" means the dates shown in the Master Policy.
2. Exclusions

   The Master Policy does not apply:

   1. to loss due to any fraudulent, dishonest or criminal act by an Insured Person or any person acting in concert with an Insured Person, or by any authorized representative of an Insured Person, whether acting alone or in collusion with others;
   2. to loss other than Expenses;
   3. to an Identity Fraud that was discovered, or Expenses incurred, when an individual was not an Insured Person;
   4. to loss due to nuclear reaction, nuclear radiation or radioactive contamination, or due to any act or condition incident to any of the foregoing;
   5. to loss due to war, whether or not declared, civil war, insurrection, rebellion, revolution, or to any act or condition incident to any of the foregoing.
3. Policy Period

   Discovery - The Master Policy applies only to Identity Fraud, occurring anywhere in the world, which is discovered during the Policy Period and is reported to the Company during the Policy Period or within 30 days following the termination of either:

   1. this Policy; or
   2. membership of the Insured Person in a Membership Program.
4. Limits of Insurance

   Under Insuring Agreement (1), the limit of the Company's liability per Insured Person for loss covered under the Master Policy shall not exceed the applicable Limit of Insurance shown in the Declarations. Under the Master Policy, all losses incidental to an act or series of related acts or arising from the same method of operation, whether committed by one or more persons, shall be deemed to arise out of one occurrence and shall be treated as one loss. However, solely with respect to Insuring Agreement (1), should one such act cause a covered loss to more than one Insured Person, the available Limit of Insurance under the Master Policy and the deductible amount shall apply to each Insured Person separately.

   Regardless of the number of Membership Programs that an Insured Person is a member of, the Company's liability to such Insured Person for loss covered under the Master Policy shall not exceed the applicable Limit of Insurance Shown in the declarations.

5. Deductible

   The Company shall be liable only for the amount by which any loss exceeds the applicable Deductible Amount as shown in the Declarations. This Deductible Amount applies to each and every loss and shall have no aggregate limitation.

6. Recoveries

   Any recoveries, less the cost of obtaining them, made after settlement of loss covered by the Master Policy will be distributed as follows:

   1. first, to the Insured Person, until the Insured Person is reimbursed for any loss that was sustained by the Insured Person that exceeds the Limit of Insurance and the Deductible Amount, if any;
   2. then to the Company, until the Company is reimbursed for the settlement made; and
   3. then to the Insured Person until the Insured Person is reimbursed for that part of the loss equal to the Deductible Amount, if any.

   Recoveries do not include any recovery from insurance, suretyship, reinsurance, security or indemnity taken for the Company's benefit.

7. Ownership Interests Covered

   This Policy shall be for the sole use and benefit of the Insured Persons and the Master Policy Holder. It provides no rights or benefits to any other person, entity, or organization.

8. Insured Duties When Loss Occurs

   Upon knowledge or discovery of loss or of an occurrence which may give rise to a claim under the terms of the Master Policy, the Insured Person shall give notice thereof as soon as practicable to the Company, and file detailed proof of loss, duly sworn to, with the Company within four months after the discovery of loss. If the loss involves a violation of law, the Insured Person shall also notify the police.

   Upon the Company's request, the Insured Person shall submit to examination by the Company, subscribe the same, under oath if required, and produce for the Company's examination all pertinent records, all at such reasonable times and places as the Company shall designate, and shall cooperate with the Company in all matters pertaining to loss or claims with respect thereto.

   Compliance with all terms and conditions of the Master Policy are conditions precedent to recovery under the Master Policy.

   The Insured Person shall keep books, receipts, bills and other records in such manner that the Company can accurately determine therefrom the amount of any loss. At any time subsequent to the reporting thereof to the Company, the Company may examine and audit the Insured Person's books and records as they relate to a loss under the Master Policy.

9. Other Insurance

   If there is any other valid and collectible insurance which would apply in the absence of the Master Policy, the insurance under the Master Policy shall apply only as excess insurance over such other insurance

10. Action Against Company

    No action shall lie against the Company unless, as a condition precedent thereto, there shall have been full compliance with all terms of the Master Policy, nor until 90 days after the required proof of loss has been filed with the Company, nor at all unless commenced within two years from the date when the Insured Person first discovers the loss. If any limitation of time for notice of loss or any legal proceeding herein contained is shorter than that permitted to be fixed by agreement under any statute controlling the construction of the Master Policy, the shortest permissible statutory limitation of time shall govern and shall supersede the time limitation herein stated.

11. Subrogation

    In the event of any payment under the Master Policy, the Company shall be subrogated to all the Insured Person's rights of recovery therefore against any person or organization, and the Insured Person shall execute and deliver instruments and papers and shall take whatever other actions are necessary to secure such rights for the Company. The Insured Person shall not take any action after the discovery of any loss that would prejudice such rights.

12. Changes

    Notice to any agent or knowledge possessed by any agent or by any other person shall not effect a waiver or a change in any part of the Master Policy or stop the Company from asserting any right under the terms of the Master Policy; nor shall the terms of the Master Policy be waived or changed, except by endorsement issued by the Company and made to form a part of the Master Policy.

13. Assignment

    Assignment of interest under the Master Policy shall not bind the Company until its consent is endorsed herein.

14. Concealment or Misrepresentation

    The Master Policy is void as to any Insured Person if, at any time, said Insured Person intentionally conceals or misrepresents a material fact concerning either the insurance afforded by the Master Policy or a claim under the Master Policy.

TERMS OF USE

Legally Binding Terms. You have purchased the product or service you have ordered (the "Product") from CSA Insurance Services ("CSA"). The Product is delivered to you by its provider Intersections Inc., a company located in Chantilly, Virginia ("Intersections"). Your order of the Product constitutes your acceptance of these Terms of Use and the enclosed Certificate of Insurance. If you ordered this Product on behalf of someone else, you must deliver these Terms of Use, together with the enclosed Certificate of Insurance, to that person as a condition of your use of the Product. These Terms of Use, together with the enclosed Certificate of Insurance, are binding on you and each other person on behalf of whom you ordered the Product.

Use. You may use the Product only for non-commercial purposes. You may not use the Product for anyone else.

Service Period. You may use the Product for a period of six months commencing on your travel date, after which time your use of the Product expires.

No Representations or Warranties. THE PRODUCT IS PROVIDED ON AN "AS IS" BASIS ONLY. INTERSECTIONS AND CSA DO NOT MAKE, AND EXPRESSLY DISCLAIM, ANY REPRESENTATION OR WARRANTY OF ANY KIND, WHETHER EXPRESSED, IMPLIED, OR ARISING OUT OF COURSE OF DEALING OR USAGE, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, NONINTERFERENCE WITH DATA, AVAILABILITY, OR THAT THE PRODUCT IS ERROR-FREE. YOU ARE SOLELY RESPONSIBLE FOR ANY USE YOU MAKE OF THE PRODUCT OR ACTION OR DECISION YOU MAKE BASED ON IT.

Limitation of Liabilities. IN NO EVENT MAY INTERSECTIONS OR CSA BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE OR SIMILAR DAMAGES ARISING FROM OR RELATED TO THE PRODUCT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. INTERSECTIONS' AND CSA'S TOTAL LIABILITY ARISING FROM OR RELATED TO THE PRODUCT MAY NEVER EXCEED THE AMOUNT PAID BY YOU FOR THE PRODUCT.

Third-Party Providers. The Product contains information provided by one or more credit reporting agencies, as identified in your materials: The Product may contain credit score analysis provided by one or more third-party providers, as identified in your materials. INTERSECTIONS DOES NOT CONTROL AND IS NOT RESPONSIBLE FOR THE INFORMATION PROVIDED BY ANY CREDIT REPORTING AGENCY OR SCORE ANALYSIS PROVIDER.

Changes. Intersections in its sole discretion may modify or cancel the Product at any time without notice to you, and may modify these Terms of Use by posting the changes on the Product Web site. The changes will be binding on you.

General. These Terms of Use are governed by the laws of the Commonwealth of Virginia, USA, exclusive of its choice of law principles. Any claim arising out of or relating to the Product shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association on an individual basis not consolidated with any other claim. Any party, however, may seek interim injunctive relief in a court of competent jurisdiction. Identity theft insurance is governed by additional terms and conditions stated in the certificate provided to you with these materials. These Terms of Use, together with the enclosed Certificate of Insurance state the exclusive terms, conditions, representations and warranties governing the Product.

TRADEMARK AND COPYRIGHT

Intersections, is a trademark or federally registered trademark of Intersections Inc.; and other trademarks are trademarks of their respective owners.

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