Available Options policy wording for Travel Guard ProtectAssist
Optional Cancel for Work Reasons: If you have purchased the Cancel for Work Reasons coverage will be extended for these additional Unforeseen circumstances if the Insured or a traveling companion: - is required to work during his/her scheduled Trip. He/she must demonstrate proof of requirement to work, such as a notarized statement signed by an officer of his/her employer;
- company is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings. The Insured or Traveling Companion directly involved in one of the afore mentioned events and must be currently employed by the company that is involved in said event;
- company is deemed to be unsuitable for business due to fire, flood, burglary, earthquake, hurricane, or other Natural Disaster and the insured or traveling companion is directly involved as a Key Employee of the disaster recovery team.
This coverage applies only if insurance was purchased within fifteen calendar days of initial Trip payment.
Optional Cancellation for Any Reason Benefit: If the Insured is prevented from taking the Trip for any reason not otherwise covered by the Policy, the Insurer will reimburse the Insured for 50% of the prepaid, forfeited, non-refundable payments or deposits for the insured Trip arrangement(s) up to the Maximum Limit shown on the Schedule of Benefits, provided the following conditions are met: - the Insured purchases the Cancel for Any Reason benefit within 15 days of the date the Insured’s initial Trip payment or deposit is paid and the cost of any subsequent arrangement(s) added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s); and
- this insurance coverage is purchased for the full cost of all prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and
- the Insured cancels the insured Trip not less than 48 hours prior to the departure date.
OPTIONAL FLIGHT GUARD – FLIGHT ACCIDENT BENEFIT
The Insurer will pay the percentage shown below if an Insured suffers an Injury which results in one of the losses listed below: - while he or she was riding as a passenger on or boarding or alighting from a Scheduled Air Carrier, and
- within 365 days of the accident that caused the Injury.
The Maximum Limit for this benefit is under the Accidental Death and Dismemberment benefit.
“Scheduled Air Carrier” means any air carrier holding a certificate, license, or similar authorization for civilianscheduled air transport issued by the country of the aircraft’s registry, and which in accordance with that authorization flies, maintains, and publishes schedules and tariffs for regular passenger service between named cities at regular and specified times, but only if the aircraft is then being used for any regular or chartered flight operated by such carrier.
OPTIONAL CAR RENTAL COLLISION COVERAGE
Coverage does not apply in countries or states where the sale of this insurance is prohibited by law. If the Insured rents a car from a licensed auto rental company while on his/her Trip, and the car is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of this benefit up to the Maximum Limit shown on the Schedule of Benefits subject to a $250 deductible: - the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
- the Actual Cash Value of the car.
Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.
Additional Exclusions: In addition to the General Exclusions, coverage is not provided for loss due to: - any loss which occurs if the Insured or his/her Traveling Companion is in violation of the rental agreement;
- rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles;
- any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision deductible;
- failure to report the loss to the proper local authorities and the rental car company;
- damage to any other vehicle, structure, or person as a result of a covered loss;
- driving under the influence of alcohol;
- Injury sustained while committing or attempting to commit a crime (not applicable in FL.)
The Insured’s Duties in the Event of Loss: The Insured must: - take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;
- report the loss to the appropriate local authorities and the rental company as soon as possible;
- obtain all information on any other party involved in an accident, such as name, address, insurance information, and driver’s license number;
- and provide the Insurer all documentation such as rental agreement, police report, and damage estimate.
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