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Travel Protection Plan Administered by Travel Insured International SCHEDULE OF BENEFITS
WHEN YOUR
BENEFITS APPLY:
"Effective Date" is the date which
begins at 12:01 a.m. on the date Infinity Network receives the appropriate
Membership Cost.
All
Benefits are effective once You are more than 100 miles from Your primary
residence. The benefits end at the
earlier of the following; a) once You are less than 100 miles from Your primary
residence; or b) maximum 90 days any one Trip. BAGGAGE &
PERSONAL EFFECTS
You are eligible for benefits up to the benefit amount shown for lost
baggage or personal items subject to a maximum reimbursement of up to $250 per
article. A maximum of $500 applies to the total amount payable for loss of any
or all of the following: 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. The least of the following amounts will be
paid for lost, stolen, or damaged baggage or personal items under this
benefit: 1) The actual cash value (cost less proper
deduction for depreciation) 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) $250 per article. This benefit
does not apply to losses on property specifically scheduled under other
insurance.
BAGGAGE DELAY
If Your checked baggage is delayed or misdirected while on Your Trip
for more than 24 hours from Your time of arrival at Your destination other than
Your residence by a Common Carrier, You are eligible for benefits up to the
benefit amount shown for the expense of necessary purchases of personal items
as long as the expense is substantiated by receipts for purchases. The Common
Carrier must certify the delay.
The benefits provided above shall be in excess of all other valid and collectible insurance or indemnity and shall apply when such other benefits are exhausted. IN-HOSPITAL
INDEMNITY (ACCIDENT ONLY)
If You are confined to a Hospital for an Illness or Injury which first occurs during Your Trip, You are eligible for benefits of $100 a day to a maximum of 60 (sixty) days for each day of confinement. Note this benefit is sub-limited within the Accidental Death and Dismemberment – Common Carrier benefit. ACCIDENTAL
DEATH AND DISMEMBERMENT
You are eligible for benefits 24 hours a day, up to the benefit amount shown, when You sustain Injuries resulting in any of the listed Type of Loss, within 180 days from the date of accident, while on a Trip. Benefits will be paid as follows: loss of life, both feet, both hands, both eyes, one hand and one foot, one hand and one eye or one foot and one eye – Maximum Benefit Amount; loss of one hand, one foot or one eye – one half the Maximum Benefit Amount. 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 the largest applicable amount shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your 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 You suffered loss of life as a result of those Injuries. Common Carrier benefit applies to Injury sustained by You: (a) while riding as a passenger in or on, boarding or alighting from an air, land or water conveyance operated under a license for the transportation of passengers for hire. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your 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 You suffered loss of life as a result of those Injuries. TRAVEL ASSISTANCE SERVICESThe Travel Assistance feature provides a variety of travel related services. Services offered include:
Payment reimbursement to the Assistance Company is Your responsibility. For travel assistance services only: CALL TOLL FREE: Travel assistance services are
provided by an independent organization and not by TIG Insurance Company, or
Travel Insured International. There may be times when circumstances beyond the
Assistance Company's control hinder their endeavors to provide travel
assistance services. They will, however, make all reasonable efforts to provide
travel assistance services and help You resolve Your emergency situation. PLAN
DEFINITIONS
"Common Carrier" means any
public land, air or water conveyance operating under a valid license providing
for the transportation of passengers for hire. "Hospital" means: a) a place
which is licensed or recognized as a general Hospital by the proper authority
of the state or country in which it is located; b) 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; and c) a place
recognized as a general Hospital by the Joint Commission on the Accreditation
of Hospitals. Hospital does not
include an institution licensed or used principally: 1) for 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. "Injury" or
"Injuries" means accidental bodily Injury received after the
Effective Date of Your Protection Plan and prior to Your Scheduled Return Date
and in loss independently of Sickness and all other causes and certified by a
Legally Qualified Physician. "Intoxicated" means a
blood alcohol level which equals or exceeds the legal limit for operating a
motor vehicle in the state or jurisdiction where You are located at the time of
an incident. "Legally Qualified
Physician" means a physician or a Christian Science Practitioner: a) other
than You, a Traveling Companion or a Family Member; b) practicing within the
scope of his or her license; and c) recognized as a physician in the place
where the services are rendered. "Mental or Nervous Condition" means
any condition or disease, regardless of its cause, listed in the most recent
edition of the International Classification of Diseases as a Mental Disorder,
including but not limited to, neurosis, psychoneurosis, psychopathy, psychosis,
Bipolar Affective Disorder or Autism. "Sickness" means an
illness or disease, which is diagnosed or treated by a Legally Qualified
Physician after the Effective Date of Your Protection Plan and prior to Your
Scheduled Return Date. "Trip" means scheduled
trips, tours or cruises which are more than 100 miles from Your primary
residence. WHEN BENEFITS ARE NOT PAYABLE UNDER THIS PLAN Unless otherwise stated, benefits are not payable for Sickness, Injuries or losses of You: 1) Resulting from suicide, attempted suicide, or any intentionally self-inflicted Injury while sane or insane (in Missouri, sane only); 2) Resulting from an act of declared or undeclared war or occurring while participating in maneuvers or training exercise of an armed service; 3) Occurring while or resulting from riding, driving or participating in races, or speed or endurance contests; 4) Occurring while or resulting from mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes or other special equipment); 5) Occurring while or resulting from participating as a member of a team in an organized sporting competition; 6) Occurring while or resulting from participating in skydiving, hang gliding, bungee cord jumping, scuba diving or deep sea diving; 7) Occurring while or resulting from piloting or learning to pilot or acting as a member of the crew of any aircraft; 8) Received as a result or consequence of being Intoxicated or under the influence of any controlled substance unless administered on the advice of a Legally Qualified Physician;9) To which a contributory cause was the commission of or attempt to commit a felony or being engaged in an illegal occupation; 10) Due to normal childbirth, normal pregnancy (expect complications of pregnancy) or voluntarily induced abortion; 11) For dental treatment; 12) Due to a Mental or Nervous Condition unless hospitalized. WHAT IS NOT PAYABLE UNDER BAGGAGE/PERSONAL EFFECT OR BAGGAGE DELAY BENEFITBenefits are not payable for loss of any of the following: a) animals, b) automobile or automobile equipment, boats or other vehicles or conveyances, trailers, motors, aircraft, bicycles (except when checked as baggage with a Common Carrier); c) household effects and furnishings, antiques or collectors items; d) sunglasses (prescription or non-prescription) or contact lenses; e) artificial teeth or dental bridges; f) hearing aids; g) prosthetic limbs; h) prescribed medications; i) keys; j) money, credit cards, tickets, documents (except as otherwise specified under the benefit description) or securities; k) stamps; l) professional or occupational equipment or property (whether or not electronic business equipment), telephones or computer hardware or software. QUESTIONS, GENERAL INFORMATION OR FILING A CLAIM For questions regarding Your plan or to receive a claim form, contact TII, or send Your name, address, travel dates, booking number and details of Your loss within 30 days to: Travel Insured International, Inc.
P.O. Box 280568 Important: To facilitate prompt claims settlement, You will be asked to provide proof of Your loss. Therefore, be sure to obtain the following as applicable; For baggage and baggage delay claims – reports from parties responsible (i.e. airline, cruise line, etc.) for loss, theft or damage or delay. A police report may be requested. Please obtain receipts for lost or damaged items. For medical claims – detailed medical statements from treating physicians where and when the accident or Sickness occurred as well as receipts for medical services and supplies. Benefits under Your Protection Plan are provided by the American Travel Services Trust. The Trust is insured by TIG Insurance Company. Notice to Residents of Florida: Your homeowners policy, if any, may provide coverage for loss or personal effects provided by the Baggage and Personal Effects Benefits. This insurance is not required in connection with the purchase of Your travel arrangements. Notice to Residents of California: Your Protection Plan contains disability insurance benefits or health insurance benefits, or both, that only apply during the Trip. You may have coverage from other sources that already provide You with these benefits. You should review Your existing policies. If You have any questions about Your current coverage, call Your insurer or health plan. Travel Protection provided exclusively for
Administered by
Quality Protection Worldwide For questions or to report a claim, contact:
Travel Insured International, Inc.
Claims Plan T-1981 (7/03) |
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