Available Options policy wording for WorldTrips Travel Insurance Atlas International

24 hour AD&D Option

Crisis Response Option

Personal Liability Option

Optional Accidental Death &

Dismemberment Benefit Rider

Subject to the Limits set in the Schedule of Benefits and subject to the conditions and restrictions contained in this policy, we will pay the following Optional Accidental Death and Dismemberment benefit if elected by you and subject to the payment of premium and restrictions outlined below. 

Optional Accidental Death is defined as: A sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in your injury and subsequent death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

Optional Accidental Dismemberment is defined as: A sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease. For purposes of the Accidental Death and Dismemberment benefit provided by this insurance, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle. Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.

YOU ARE COVERED FOR:

1. Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary.

2. Loss of 2 or more limbs or eyes – we will pay you the amount indicated in the Schedule of Benefits.

3. Loss of 1 limb or eye – we will pay you the amount indicated in the Schedule of Benefits.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. You must be at least age 18 and younger than age 70; and

2. The accident giving rise to the Optional Accidental Death or Dismemberment must be covered under this insurance; and

3. The accident giving rise to the accidental death must not be a common carrier accident; and 4. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

YOU ARE NOT COVERED IF:

1. Accidents or loss caused by or contributed to by any of the following:

a. Terrorism, war or act of war, whether declared or undeclared.

b. Your participation in a riot, insurrection or violent disorder.

c. Your service in the armed forces of any country.

d. Suicide or attempted suicide or intentional self-inflicted injury, while sane or insane.

e. The voluntary use of any chemical compound, poison or drug, unless used according to the directions of a physician.

f. Committing or attempting to commit a felony.

g. Illness, mental health disorder, or pregnancy.

h. As the result, directly or indirectly, of: i) intoxication as defined by the laws of the jurisdiction in which the accident or injury occurred, or ii) intoxication consistent with a .08 BAC Blood Alcohol Content; whichever is lower.

i. Myocardial infarction or cerebrovascular accident (CVA / Stroke).

j. Infection, except infection through a wound that was caused solely by an accident.

k. Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft, learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was being used for any purpose other than passenger transportation.

l. Medical or surgical treatment for any of the above.

m.Any non-covered sports activities.

2. Expenses arise directly or indirectly from anything in the General Exclusions.

In no event will our payment under this benefit total more than the principal sum.

All other provisions of the Master Policy remain unchanged. 

Optional Crisis Response Benefit Rider

Subject to the Limits set forth in the Schedule of Benefits and subject to the conditions and restrictions contained in this policy, we will pay the following Optional Crisis Response benefit if elected by you and subject to the payment of premium and restrictions outlined below.

YOU ARE COVERED FOR:

1. Ransom; and/or

2. Crisis Response Fees and Expenses; and/or

3. Personal Belongings; and/or

4. Natural Disaster Evacuation

Kidnapping and Express Kidnapping

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. Notification: Before surrendering a ransom, the person authorizing the surrender shall have notified or made every reasonable attempt to notify:

a. The Federal Bureau of Investigation or local law enforcement agencies as soon as practicable bearing in mind the safety of the person(s) held or threatened; and

b. Unity Advisory Group / On Call International via us.

2. The surrender of a ransom must not be:

a. Carried by, transported by or otherwise in your possession at the time that an express kidnapping or kidnapping first occurs; or

b. At the location where an express kidnapping or kidnapping first occurs.

3. Confidentiality: You must at all times use best efforts to ensure that knowledge of the existence of this insurance is restricted as far as possible.

YOU ARE NOT COVERED IF:

1. Any kidnapping or express kidnapping first occurs in Afghanistan, Central African Republic, Democratic Republic of the Congo, Iraq, Libya, Mali, Niger, Nigeria, North Korea, Pakistan, Somalia, Sudan, South Sudan, Syria, Venezuela, Yemen, or any country for which we are prohibited from transaction due to sanctions by the United States Department of the Treasury’s Office of Foreign Assets Control (OFAC).

2. Any express kidnapping or kidnapping is a result of fraudulent, dishonest or criminal act(s) by you or an authorized representative (whether acting alone or in collusion with others) unless the person authorizing the ransom payment had, prior to payment, made every reasonable attempt to determine that the ransom demand or threat was genuine.

3. Expenses arise directly or indirectly from anything in the General Exclusions.

Limits of Liability:

1. Certificate Period Aggregate: Our total liability for all insured losses shall not exceed the certificate period aggregate limit set forth herein.

2. In the event that you are covered by two or more policies issued by us covering insured losses arising from a kidnapping or express kidnapping, it is agreed that our aggregate liability for insured losses sustained by you shall not be cumulative and shall in no event exceed the largest amount available under any one of the policies.

Valuation: We shall not be liable for more than the actual cash value of any consideration at the time of its surrender. If insured losses involve currency other than that of the United States of America, we shall not be liable for more than the United States Dollar equivalent of foreign currency based on the rate of exchange in the Wall Street Journal in effect on the day the monies are surrendered and/or expense incurred. 

The following definitions apply to Crisis Response coverage:

Crisis Response Fees and Expenses means all fees and expenses of Unity Advisory Group / On Call International related to your kidnapping or express kidnapping.

Express Kidnapping means the actual abduction, transportation, and holding of you against your will for a minimum of one (1) hour where your personal belongings and/or readily available assets are surrendered by you in exchange for your release.

Kidnapping means the actual, alleged, or attempted abduction and holding of you against your will by a person or persons who demand a ransom specifically from your assets in exchange for your release.

Insured Losses means covered losses and expenses consisting of the following: ransom, personal belongings, and/or crisis response fees and expenses.

Personal Belongings means monies and/or property of monetary value that are: 1. Being carried or transported by you when an express kidnapping or kidnapping first occurs; and 2. Are surrendered during the course of an express kidnapping or kidnapping.

Ransom means monies and/or other consideration of monetary value that are surrendered or to be surrendered by you or on your behalf to meet an express kidnapping or kidnapping demand. 

Natural Disaster Evacuation

We will provide evacuation due to a natural disaster which makes your host country location uninhabitable. The method of transportation will be determined by us.

YOU ARE COVERED FOR:

1. Transportation to the nearest safe location; and

2. One-way economy airfare to return you to your home country following a Natural Disaster Evacuation; and

3. A maximum of three (3) days for reasonable lodging accommodations if you are delayed at the safe location and unable to depart to your home country.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. You cannot obtain commercial transportation to the nearest safe location within a time period: a. Enabling you to leave the host country in time to avert imminent bodily harm; or b. Complying with the time allowed to leave the host country pursuant to the orders of the recognized government of that host country; or c. Officials of the host country or the U.S. Embassy, have issued, for reasons due to the Natural Disaster situation, a recommendation that the categories of persons which include you should leave the host country; or

2. Your location in the host country is deemed uninhabitable by us.

3. You must contact us as soon as possible after your host country issues the official disaster declaration; and

4. Travel arrangements are approved in advance and coordinated by us.

YOU ARE NOT COVERED IF:

1. You are able to leave your host country by normal means, such as changing a commercial airline ticket; we will assist in rebooking flights or other transportation. Such expenses for non-emergency transportation are your responsibility.

2. Expenses are directly or indirectly from anything in the General Exclusions.

The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. We shall not be held liable for any delays that are not within our direct and immediate control, or your failure to comply with our recommendations, or where rendering of service is prohibited by local laws or regulatory agencies.

If evacuation becomes impractical due to hostile or dangerous conditions, we will maintain contact with and advise you until evacuation becomes viable or the natural disaster situation has been resolved.

We shall be under no obligation to provide the services to you, who in our sole opinion, are located in areas that represent conditions in which providing services is impossible, including without limitation geographical remoteness, war (declared or undeclared), civil or other hostilities or political unrest.

The following definitions apply to Optional Crisis Response Benefit Rider –

Natural Disaster Evacuation: Host Country means the country which you have traveled to and which is not your home country

Imminent Bodily Harm means the existence of any condition or circumstance, which cannot be avoided through reasonable precautionary measures, and could be expected to cause death or serious physical harm to you, if you were to remain in the affected area where the natural disaster event has occurred. Natural Disaster means an event of natural cause, including wildfire, earthquake, windborne dust or sand, volcanic eruption, tsunami, snow, rain or wind, that results in widespread and severe damage.

Natural disaster does not include the direct or indirect effect of rain, wind or water associated with named storms meeting the definition of hurricane or typhoon, except in instances where: 1. The path of the named storm deviates by a distance of greater than 200 miles within a 72-hour period from the path forecast by a nationally recognized meteorological service 2. Or less than 72 hours advance notice of a potential landfall for a named storm exists.

Uninhabitable means your host country location is deemed unfit for residence, as determined by us in accordance with U.S. and local authorities, due to lack of habitable shelter, food, heat and/or potable water AND no suitable supplemental housing is available within 100 miles of the disaster site.

All other provisions of the Master Policy remain unchanged.

Optional Personal Liability Benefit Rider

Subject to the Limits set in the Schedule of Benefits and subject to the conditions and restrictions contained in this policy, we will pay the following Optional Personal Liability benefit if elected by you and subject to the payment of premium and restrictions outlined below.

YOU ARE COVERED FOR:

p to the sum insured shown in the Schedule of Benefits and Limits (inclusive of legal costs and expenses) if you become legally liable to pay damages in respect of:

1. Accidental bodily injury, including death, illness and disease of a third person; and/or

2. Accidental loss of or damage to a third person’s material property (property that is both material and tangible); and/or

3. Accidental loss of or damage to a related third person’s material property (property that is both material and tangible).

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. You or your legal representatives gives us written notice immediately if you have received notice of any prosecution or inquest in connection with any circumstances which may give rise to liability under this section.

2. No admission, offer, promise, payment or indemnity shall be made by or on behalf of you without our prior written consent.

3. Every claim notice, letter, writ or process or other document served on you shall be forwarded to us and immediately upon receipt.

4. We shall be entitled to take over and conduct in your name the defense or settlement of any claim or to prosecute in your name for our own benefit any claim for indemnity or damages against all other parties or persons.

5. We may at any time pay you in connection with any claim or series of claims the sum insured (after deduction of any sums already paid as compensation) or any lesser amount for which such claim(s) can be settled. Once this payment is made we shall relinquish the conduct and control and be under no further liability in connection with such claim(s) except for the payment of costs and expenses recoverable or incurred prior to the date of such payment.

6. We will consider paying or advancing, but without any obligation or contractual duty to do so, up to $2,500 to you or for your benefit to settle and compromise an asserted claim against you so long as: a. The asserted claim is one that may be eligible for coverage under this insurance; b. A lawsuit has not yet been filed, or, if already filed, no response has been filed; c. You obtain a full written release and/or covenant-not-to-sue satisfactory to us; and d. A full proof of claim and other necessary documentation is satisfactorily provided to us. 

YOU ARE NOT COVERED FOR:

1. Intentionally committed acts, or arising from the influence of alcohol or drugs not medically prescribed by a licensed physician;

2. Bodily injury, illness or disease of any person under a contract of employment, service or apprenticeship with you when the bodily injury, illness or disease arises out of and in the course of their employment to you, or in connection with any trade, business or profession;

3. Loss or damage to property belonging to or held in trust by or in the custody or control of you other than temporary accommodation occupied by you in the course of the trip;

4. Bodily injury or damage caused directly or indirectly in connection with the ownership, possession or use by you or on behalf of you of: aircraft, hovercraft, watercraft, motorized vehicles, parachute, parasail, glider, firearms, fireworks, explosives, deadly weapons, or any racing activity;

5. Any damages, losses or claims caused in whole or in part by you during any hunt or as a result of hunting;

6. Bodily injury caused directly or indirectly in connection with the ownership, possession or occupation of land or buildings, immobile property or caravans or trailers;

7. Damages resulting from any fire, flood, wind, hail, water leak, gas leak, explosion or other natural or man-made catastrophe;

8. Fraudulent, dishonest or criminal acts of you or any person authorised by you to commit such acts;

9. The consequences of any breach, violation or failure to perform any contractual undertakings or obligations, whether verbal or in writing;

10. Punitive or exemplary damages, or fines, penalties, assessments or claims by any governmental authorities or regulatory bodies;

11. Gambling, gaming, or betting of any kind;

12. Animals or pets belonging to you, or in your care, custody or control; and

13. Expenses arising directly or indirectly from anything in the General Exclusions.

All other provisions of the Master Policy remain unchanged. 

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