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two
coverage options
now
available
enhanced benefits with roundtrip choice
RoundTrip helps ensure that you are prepared in the event of an
accident, sickness or loss while traveling. By insuring your prepaid
non-refundable trip costs, you are protected against unforeseen events
that would cause your trip to be cancelled. In addition, you will receive
coverage for baggage protection, travel assistance services, accidental
death and dismemberment, and emergency medical evacuation and
repatriation.
RoundTrip offers enhanced benefits with RoundTrip Choice. Both policies
provide protection for your trip cost, as well as other valuable benefits.
You can now choose Cancel for Any Reason with RoundTrip Choice.
We’ve optimized RoundTrip for most travelers, however, you may
determine you need greater coverage for specific benefits. Consider
Liaison® International or other plans from Seven Corners for up to
$5,000,000 of international medical limits. We have a plan that’s right
for you.
protection plan outline
This brochure describes the highlights of our protection plan. Plan
details and an ID Card will be e-mailed to you after you have purchased
benefits or can be obtained immediately when using the online system.
These details provide complete information regarding the benefits,
exclusions and limits of the protection plan. Please read them carefully.
Note: Certain terms are defined in the Evidence of Benefits that will
be emailed to you with your confirmation.
eligibility
RoundTrip may be purchased if You are a resident of the United States
or if You purchase this plan within the United States.
Dependent Children are children of the Primary Applicant who are under
19 years of age.
Washington and New York Residents will be issued an Individual Policy.
Please contact your agent for more information.
when you are eligible for benefits
*"Effective Date" is 12:01 a.m. following the postmark of Your
enrollment form or the date You fax or transmit Your enrollment via the
Internet with the proper payment.
• trip cancellation and assistance services – Your eligibility
begins on Your Effective Date.
• trip delay / missed connection – In force while You are en route
to and from Your covered Trip.
• flight accident plan (if chosen) – Begins on the departure
date. Coverage ends when the Trip is completed or after 30 days (unless
additional days are purchased), whichever comes first.
• collision damage waiver (if chosen) – Begins on the
departure date. Coverage ends when the Trip is completed or after 30 days
(unless additional days are purchased), whichever comes first.
• cancel for any reason (if chosen) – Your eligibility
begins on Your Effective Date.
• all other coverages (includes trip interruption) – You
become eligible for benefits at 12:01 a.m. on Your scheduled departure
date or Your effective date whichever is later, and ends at the point and
time of return on the scheduled return date.
• maximum trip length – 30 days (unless additional days are
purchased).
trip cancellation/ interruption
The Company will pay a benefit, up to the maximum amount shown on the
Confirmation of Coverage, if You are prevented from taking Your Trip after
Your Effective Date* due to:
1. Sickness, Accidental Injury or death of You, Traveling Companion,
Family Member or Business Partner; which results in medically imposed
restrictions, as certified by a Physician at the time of loss, preventing
Your continued participation in the Trip. A Physician must advise
cancellation of the Trip on or before the Scheduled Departure Date.
2. You or a Traveling Companion being hijacked, quarantined, required
to serve on a jury, subpoenaed, the victim of felonious assault within 10
days of departure; or having his/her principal place of residence made
uninhabitable by fire, flood or other natural disaster; or burglary of
his/her principal place of residence within 10 days of departure.
3. You or a Traveling Companion being directly involved in a traffic
accident, substantiated by a police report, while en route to departure.
4. A transfer of You by the employer with whom You are
employed on the Effective Date that requires Your principal residence to
be relocated.
5. The death or hospitalization of Your Host at
Destination.
6. A Terrorist Incident that occurs in a city listed on
Your Trip itinerary and within 30 days prior to Your Scheduled Departure
Date. This same city must not have experienced a Terrorist Incident within
the 90 days prior to the Terrorist Incident that is causing the
cancellation of Your Trip. Benefits are not provided if the Travel
Supplier offers a substitute itinerary. Your Scheduled Departure Date must
be no more than 15 months beyond Your Effective Date.
7. You, Your Traveling Companion or Family Member, who are
military personnel, and are called to emergency duty for a natural
disaster other than war.
8. Strike that causes complete cessation of services for
at least 48 consecutive hours.
9. Weather that causes complete cessation of services of
the Common Carrier for at least 48 consecutive hours.
10. Bankruptcy and/or Default of Your Travel Supplier that
occurs more than 10 days following Your Effective Date. Coverage is not
provided for the Bankruptcy or Default of the travel agency from whom You
purchased the Land/Sea Arrangements. Your Scheduled Departure Date must be
no more than 15 months beyond Your 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 You to
transfer to another airline in order to get to Your intended destination.
11. You are terminated, or laid off from employment
subject to five years of continuous employment at the place of employment
where terminated. 12. Natural disaster at the site of Your destination
that renders their destination accommodations uninhabitable.
trip cancellation
The Company will reimburse You for the
following:
1. Non-refundable cancellation charges imposed by the Travel Supplier.
2. If the Travel Supplier cancels Your Trip, then You are covered up to
$75.00 for the reissue fee charged by the airline for the tickets. You
must have covered the entire cost of the Trip including the airfare.
In no event shall the amount reimbursed exceed the amount You prepaid for
the Trip.
trip interruption
The Company will reimburse You the following:
1. Unused, non-refundable land or sea expenses prepaid to the Travel
Suppliers;
2. The airfare paid less the value of applied credit from an unused
travel ticket to return home, join or rejoin the original Land/Sea
Arrangements limited to the cost of one-way economy airfare or similar
quality as the originally issued ticket by scheduled carrier.
The Company will pay for reasonable additional accommodation and
transportation expenses incurred by You (up to $100 a day) if a Traveling
Companion must remain hospitalized, or if You must extend the Trip with
additional hotel nights due to a Physician certifying that You cannot fly
home due to an Accident or a Sickness but does not require
hospitalization.
In no event shall the amount reimbursed exceed the maximum benefit
shown on the Confirmation of Coverage.
trip delay
The Company will reimburse You for Covered Expenses on a one-time
basis, up to the maximum amount shown in the Confirmation of Coverage, if
You are delayed en route to or from the Trip for twelve (12) or more hours
due to a defined Hazard:
Covered Expenses include:
1. Any prepaid, unused, non-refundable land and water accommodations;
2. Any reasonable additional expenses incurred;
3. An Economy Fare from the point where You ended Your Trip to a
destination where You can catch up to the Trip; or
4. A one-way Economy Fare to return You to Your originally scheduled
return destination.
missed connection
This benefit covers missed Cruise departures that result from
cancellation or delay (for three or more hours) of all regularly
scheduled airline flights due to Inclement Weather or any Common Carrier
caused delay. Maximum benefits up to the amount shown in the Confirmation
of Coverage are provided to cover additional transportation expenses
needed for You to join the departed Cruise, reasonable accommodation and
meal expenses (up to the per day
amount shown in the Confirmation of Coverage)
and non-refundable Trip payments for the
unused portion of Your Cruise. Coverage is secondary to any compensation
provided by a Common Carrier. Coverage will not be provided to individuals
who are able to meet their scheduled departure but cancel their Cruise due
to Inclement Weather.
emergency medical sickness & accident expense
The Company will pay benefits up to the maximum amount shown on the
Confirmation of Coverage, if You incur Covered Medical Expenses as a
result of Emergency Treatment of a Sickness or Accidental Injury that
first manifests itself during the Trip.
Emergency Treatment means necessary medical
treatment, including services and supplies, that must be performed during
the Trip due to the serious and acute nature of the Sickness.
Covered Medical Expenses are necessary services and
supplies that are recommended by the attending Physician. They include but
are not limited to:
1. The services of a Physician;
2. Charges for Hospital confinement and use of
operating rooms;
3. Charge for anesthetics (including
administration); x-ray examinations or treatments, and laboratory tests;
4. Ambulance service; and
5. Drugs, medicines, prosthetics and therapeutic
services and supplies.
If You are hospitalized due to a Sickness that first
occurred during the course of the scheduled Trip beyond the date of the
Scheduled Return Date, coverage will be extended until You are released
from the Hospital or until maximum benefits under the Group Policy have
been paid.
The Company will pay benefits, up to $750.00, for
emergency dental treatment for Accidental Injury to sound natural teeth.
emergency medical evacuation/ repatriation
The Company will pay benefits for Covered Expenses
incurred, up to the maximum amount shown on the Confirmation of Coverage,
if an Accidental Injury or Sickness commencing during the course of the
Trip results in Your necessary Emergency Evacuation. An Emergency
Evacuation must be ordered by a Physician who certifies that the severity
of Your Accidental Injury or Sickness warrants Your Emergency Evacuation.
Emergency Evacuation means:
(a) Your medical condition warrants immediate
transportation from the place where You are injured or sick to the nearest
Hospital where appropriate medical treatment can be obtained;
(b) after being treated at a local Hospital, Your
medical condition warrants transportation to the United States where You
reside, to obtain further medical treatment or to recover; or
(c) both (a) and (b), above.
Covered Expenses are reasonable and customary
expenses for necessary transportation, related medical services and
medical supplies incurred in connection with Your Emergency Evacuation.
All transportation arrangements made for evacuating You must be by the
most direct and economical route possible. Expenses for transportation
must be:
(a) recommended by the attending Physician;
(b) required by the standard regulations of the
conveyance transporting You; and
(c) authorized in advance by the Company or its
authorized representative.
Transportation of Dependent Children: If You are in
the Hospital for more than seven (7) days following a covered Emergency
Evacuation, the Company will return Your dependents, who are under
nineteen (19) years of age and accompanying You on the scheduled Trip, to
the domicile of a person nominated by You or Your next of kin with an
attendant if necessary.
Transportation to Join You: If You are traveling
alone and are in a Hospital alone for more than seven (7) consecutive days
or if the attending Physician certifies that due to Your Injury or
Sickness, You will be required to stay in the Hospital for more than seven
(7) consecutive days, upon request the Company will bring a person, chosen
by You, for a single visit to and from Your bedside provided that
repatriation is not imminent.
Transportation services are provided if authorized
in advance by the assistance provider, and are limited to necessary
economy fares less the value of applied credit from unused travel tickets,
if applicable.
Transportation means any Common Carrier, or other
land, water or air conveyance, required for an Emergency Evacuation and
includes air ambulances, land ambulances and private motor vehicles.
The Company will not cover any expenses provided by
another party at no cost to You or already included within the cost of the
Trip.
excess insurance limitation
The insurance provided by the Plan 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.
repatriation of remains
The Company will pay the reasonable Covered Expenses incurred to return
Your body to Your primary place of residence if You die during the Trip.
This will not exceed the maximum amount shown on the Confirmation of
Coverage.
Covered Expenses include, but are not limited to, expenses for
embalming, cremation, casket for transport and transportation.
lost baggage
The Company will reimburse You, up to the maximum amount shown on the
Confirmation of Coverage, for loss, theft or damage to baggage and
personal effects, provided
You have taken all reasonable measures to protect, save and/or recover
Your property at all times. The baggage and personal effects must be owned
by and accompany You during the Trip.
This coverage is secondary to any coverage provided by a Common Carrier
and all other valid and collectible insurance indemnity and shall apply
only when such other benefits are exhausted.
baggage delay
The Company will reimburse You for the expense of necessary personal
effects, up to the maximum amount shown on the Confirmation of Coverage,
if Your Checked Baggage is delayed or misdirected by a Common Carrier for
more than twenty-four (24) hours, while on a Trip, except for travel to
final destination or place of residence.
accidental death & dismemberment (ad&d )
You will receive benefits for loss of life or dismemberment due to an
accidental injury while on Your Trip.
optional flight accident plan
The
Company will pay benefits for Accidental Injuries resulting in a loss that
occurs while You are riding as a passenger in or on, boarding or alighting
from, any air conveyance operated under a license for the transportation
of passengers for hire during the Trip.
optional collision damage waiver
Note:
this benefit is not available if traveling to the following countries:
Israel, Jamaica, Republic of Ireland or Northern Ireland.If
You rent a car while on the Trip, and the car is damaged due to collision,
theft, vandalism, windstorm, fire, hail, flood or any cause not within
Your control while in Your possession, 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
Confirmation of Coverage.Coverage is provided to You, provided You and
Your Traveling Companions are licensed drivers and are listed on the
rental agreement. Coverage is not available to residents of Texas.
optional cancel for any reason
(RoundTrip Choice Plan Only)
If You
cancel Your Trip for any reason not otherwise covered by this plan, the
Company will reimburse You for seventy-five percent (75%) of the prepaid,
forfeited, non-refundable payments or deposits You paid for Your Trip
provided:
(a) Your plan payment was received within ten (10) days of the date Your
initial trip deposit.*; and
(b) You insure all prepaid Trip costs that are subject to cancellation
penalties or restrictions; and
(c) You also insure within ten (10) days of the payment for those
arrangements the cost of any subsequent arrangements (or any other
arrangements not made through Your travel agent) added to Your Trip; and
(d) You cancel Your Trip two (2) days or more before Your Scheduled
Departure Date.
*initial trip deposit shall mean the first day any payment has been
applied towards Your Land/Sea Arrangements
when benefits do not apply
Pre-Existing Conditions, as defined in the Definitions section
(except Emergency Evacuation and Repatriation of Remains) unless
the insurance is purchased within 10 days of the initial Trip deposit;
suicide, attempted suicide or any intentionally self-inflicted injury
while sane or insane (in Missouri, sane only) unless resulting in
the death of a non-traveling immediate Family Member; intentionally
self-inflicted injuries; war, invasion, acts of foreign enemies,
hostilities between nations (whether declared or not), civil war;
participation in any military maneuver or training exercise; any loss
starting while You are in the service of the armed forces of any country.
Orders to active military service for
training purposes of two months or less will not constitute service in the
armed forces. Upon notice to the Company of entering the armed forces, the
Company will return to You-pro rata any premium paid, less any benefits
paid, for any period during which You are in such service; piloting or
learning to pilot or acting as a member of the crew of any aircraft;
mental or emotional disorders, unless hospitalized; participation as a
professional in athletics; participation in underwater activities; being
under the influence of drugs or intoxicants, unless prescribed by a
Physician, unless results in the death of a non-traveling immediate Family
Member; commission or the attempt to commit a criminal act; participating
in bodily contact sports; skydiving; hang-gliding; parachuting;
mountaineering; any race; bungee cord jumping; and speed contest
(speed contest shall not include any of the
regatta races), SCUBA diving, spelunking or caving, heliskiing,
extreme skiing, dental treatment except as a result of an injury to
sound natural teeth within twelve (12) months of the Accidental Injury
limited to $750; any non-emergency treatment or surgery, routine physical
examinations, hearing aids, eye glasses or contact lenses; pregnancy and
childbirth (except for complications of pregnancy) except if
hospitalized; curtailment or delayed return for other than covered
reasons; traveling for the purpose of securing medical treatment; services
not shown as covered; directly or indirectly, the actual, alleged or
threatened discharge, dispersal, seepage, migration, escape, release or
exposure to any hazardous biological, chemical, nuclear radioactive
material, gas, matter or contamination; Confinement or treatment in a
government Hospital; however the United States government may recover or
collect benefits under certain conditions; Care or treatment that is not
medically necessary; Care or treatment for which compensation is payable
under Worker’s Compensation Law, any Occupational Disease law; the 4800
Time Benefit plan or similar legislation; Care or treatment that is
payable under any Insurance policy that does not require deductible and/or
coinsurance payments by You; Injury or Sickness when traveling against the
advice of a Physician;
Cosmetic surgery except for:
reconstructive surgery incidental to or following surgery for trauma, or
infection or other covered disease of the part of the body reconstructed,
or to treat a congenital malformation of a child.
The following exclusions apply to Baggage/Personal
Effects and Baggage Delay.
The Company will not provide benefits for any Loss
or damage to:
1. Animals;
2. Automobiles and automobile equipment;
3. Boats or other vehicles or conveyances;
4. Trailers;
5. Motors;
6. Motorcycles;
7. Aircraft;
8. Bicycles (except when checked as baggage with a
Common Carrier);
9. Household effects and furnishing;
10. Antiques and collectors’ items;
11. Eyeglasses, sunglasses or contact lenses;
12. Artificial teeth and dental bridges;
13. Hearing aids;
14. Prosthetic limbs;
15. Prescribed medications;
16. Keys, money, stamps, securities and documents;
17. Tickets;
18. Credit cards;
19. Professional or occupational equipment or
property, whether or not electronic business equipment;
20. Personal computers, telephones, computer
hardware or software;
21. Sporting equipment if Loss or damage results
from the use thereof.
Any Loss caused by or resulting from the following
is excluded:
1. Breakage of brittle or fragile articles;
2. Wear and tear or gradual deterioration;
3. Insects or vermin;
4. Inherent vice or damage while the article is
actually being worked upon or processed;
5. Confiscation or expropriation by order of any
government;
6. War or any act of war whether declared or not;
7. Theft or pilferage while left unattended in any
vehicle;
8. Mysterious disappearance;
9. Property illegally acquired, kept, stored or
transported;
10. Insurrection or rebellion;
11. Imprudent action or omission;
12. Property shipped as freight or shipped prior to
the Scheduled Departure Date.
The following exclusions apply to Collision Damage
Waiver:
1. Any obligation the Insured assumes under any
agreement
(except insurance collision deductible);
2. Rentals of trucks, campers, trailers, off-road or
four-wheel drive vehicles, motor bikes, motorcycles, recreational vehicles
or Exotic Vehicles;
3. Any loss that occurs if the Insured is 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.
The following duties in the event of loss apply to
Collision Damage Waiver:
1. The Insured must take all reasonable, necessary
steps to protect the vehicle and prevent further damage to it;
2. The Insured must report the loss to the
appropriate local authorities and the rental company as soon as possible;
3. The Insured must obtain all information on any
other party involved in an Accident, such as name, address, insurance
information and driver’s license number;
4. The Insured must provide the Company all
documentation such as rental agreement, police report and damage estimate.
when "pre-existing" applies
The Pre-Existing Conditions exclusion is
waived for You if You enroll in the Group Policy at the time You pay the
deposit required for Your Trip (or within 10 days of the initial
deposit) and You purchase the
coverage under the Group Policy for the full cost of Your Trip.
Pre-Existing Condition means any injury, sickness or
condition of You, Your Traveling Companion, Your Family Member booked to
travel with You for which within the sixty (60) day period prior to the
Effective Date of Trip Cancellation coverage under the Group Policy (a)
first manifested itself or exhibited symptoms that would have caused one
to seek diagnosis, care or treatment; (b) 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 (c) required medical treatment or treatment was
recommended by a Physician.
definitions
actual cash value
means purchase price less depreciation.
common carrier means any land, sea, and/or air conveyance operating
under a valid license for the transportation of passengers for hire.
covered expenses shall mean expenses incurred by You which are for
medically necessary services, supplies, care, or treatment; due to Illness
or Injury; prescribed, performed or ordered by a Physician; reasonable and
customary charges; incurred while insured under the Group Policy; and
which do not exceed the maximum amount shown in the Confirmation of
Coverage, under each stated benefit.
family member means You or Your Traveling Companion’s legal or
common law spouse, parent, legal guardian, step-parent, grandparent,
parents-in-law, grandchild, natural or adopted child, stepchild,
children-in-law, brother, sister, stepbrother, stepsister, brother-in-law,
sister-in-law, aunt, uncle, niece or nephew, who reside in the United
States, Canada or Mexico.
land/sea arrangements means any activities undertaken by You while
in the Individual Coverage Term.
sickness means an illness or disease which is diagnosed or treated
by a Physician after the effective date of insurance and while You are
covered under the Group Policy.
traveling companion means person(s) booked to accompany You on Your
Trip (to a maximum or four (4) persons including You). Note, a
group or tour leader is not considered a Traveling Companion unless You
are sharing room accommodations with the group or tour leader.
travel supplier means tour operator, cruise line, hotel etc. who
has made the land and/or sea arrangements.
trip means prepaid Land/Sea Arrangements and shall include flight
connections to join or depart such Land/Sea Arrangements provided such
flights are scheduled to commence within one day of the Land/Sea
Arrangements. Maximum Trip duration is 90 days.
you or your refers to all persons listed on the Confirmation of
Coverage under the program purchased by You.
claim questions & situations
After You have enrolled, You will receive an Evidence of Benefits and
an ID Card via e-mail, which will describe all aspects of the program, as
well as who to contact in case of an emergency or if a claim should occur.
The Assistance Company should be contacted if You require assistance while
on Your Trip. When purchasing Your Trip, be sure to keep all
documentation. This information will be required in order to process any
claim. Products underwritten by Nationwide Mutual Insurance Company and
affiliated companies. Please see Evidence of Benefits for Specific State
filings, and/or change in benefits.
excluded country list
Coverage is not available for travel to or from the following
Countries*:
Balkans Sanctions• Belarus Sanctions• Burma Sanctions•
Cote d’Ivoire (Ivory Coast)• Cuba Sanctions• Democratic Republic of Congo
Sanctions• Iran Sanctions• Iraq Sanctions• Liberia Sanctions• North Korea
Sanctions• Palestinian Authority Sanctions• Sudan Sanctions• Syria
Sanctions• Zimbabwe Sanctions
* The above list is subject to change, please visit call us at
800.647.4589 or 480.821.9052 for a current list or if you are traveling to
one of the above countries.
ENROLLMENT
IS EASY
- Read the
entire brochure and complete the Roundtrip Application in full. Plan
cost for the entire package is due at the time of application.
Remember: Benefits must be purchased for the full cost of the trip.
- If paying by
check or money order, make payable to: "Seven Corners" and enclose
it together with completed Application.
- If paying by
credit card, complete the Application and mail or fax to ISA. Be
sure to sign the Method of Payment section (for all payment
methods).
Return the
Application with your payment to:
ISA
1757 E. Baseline Rd, Ste 126
Gilbert, AZ
85233
Fax: 480-821-9297
(credit card orders)
Phone: 800-647-4589
or 480-821-9052
Email:
health@woldwidemedical.com (You may fax if
paying by credit card only. Originals are not required if application is
faxed with credit card payment.)
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